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Hospital Indemnity Insurance

Care Access Plan (CAP) is a fixed-benefit indemnity plan with hospital, surgical and critical illness insurance benefits for you and your family.

What is CAP?

A long-term plan for the unexpected

What if you become hospitalized, need surgery or are diagnosed with a critical illness? How will you pay the related out-of-pocket costs? CAP is a fixed-benefit indemnity plan—sometimes referred to as a hospital indemnity plan—that can help with fixed-dollar reimbursements for covered medical expenses at specific durations.
Short term medical

Lump-Sum Benefits

If you need healthcare covered by the plan, you receive corresponding benefits in a single payment


Choice + Savings

Choose any doctor or hospital, and receive additional savings via access to network providers.

Critical Illness

Alone/with Obamacare

While CAP is not a substitute for an ACA-compliant plan, you can buy and use it whether or not you have one.

How CAP Works

Should I Buy a Hospital Indemnity or Short Term Medical Plan?

Find a solution that works for you now, later or both

Whether you enroll in a CAP or short term medical (STM) plan depends on your coverage needs. Are you looking for long term or temporary benefits? CAP can help with smaller claims throughout the year, while STM can help protect against larger claims for a limited time. Looking for both? Consider Fusion. CAP offers:

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Affordable Options

Select $0 deductible for benefits from day one or pick a deductible plan for lower premiums.


No Open Enrollment

Sign up for CAP year-round, whenever you decide it’s time.

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A Long-Term Solution

Unlike an STM plan, CAP is not limited to a max of 90 days. Plus, it’s guaranteed renewable.