If you have a hospital stay or treatment in an observation unit, your medical insurance helps cover associated costs. By pairing LifeSecure's hospital recovery insurance with your medical plan, you can extend your protection to help with unexpected costs so you can focus on your recovery.

  • Your benefit payout after an inpatient hospital stay or treatment in an observation unit comes directly to you.
  • You choose your daily benefit amount. You'll receive that amount for each day of your hospital stay, up to 35 days. 
  • Your annual benefit bank is equal to your daily benefit amount multiplied by 35. If you collect any benefits during the year, then on Jan. 1, your benefit bank returns to the full amount.
  • LifeSecure has an online budgeting tool that can help you decide your daily benefit amount based on how much you want to spend.
  • No medical questions for applicants ages 64.5 to 65.5.


How hospital recovery insurance works

Say you’re in the hospital for four days for knee replacement surgery. You chose a daily benefit amount of $500 for an annual benefit bank of $17,500.

$500 (daily benefit amount) x 35 (maximum days) = $17,500 (in your annual benefit bank)

$500 (daily benefit amount) x 4 (days hospitalized) = $2,000

$17,500 (annual benefit bank) – $2,000 (payout to you) = $15,500 (remaining in your benefit bank)

You would receive $2,000 for your inpatient hospital stay and your annual benefit bank would have $15,500 remaining. On Jan. 1, it'll return to the full amount, $17,500.

Want to learn more?

Watch this video from LifeSecure to find out how a hospital recovery plan can help you cover your additional expenses after your hospital stay.

To get more information, call a health plan advisor at 1-855-288-6721 or contact your insurance agent.

Policy Form Series # LS-HR-0004 LifeSecure Insurance Company based in Brighton, MI, is an independent company that doesn’t provide Blue Cross Blue Shield of Michigan products or services. LifeSecure is solely responsible for and underwrites the hospital recovery coverage. This insurance policy has exclusions and limitations. Contact your insurance agent for benefit information. Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association.

LS-HR-0427 MI 6/20