health benefits

Hospital stays can be unexpected and costly, but it doesn't have to hurt your budget. Nextep's hospital plan can help protect your finances for an unexpected hospitalization. You can get coverage for yourself or the whole family.

Hospital Plan Features

When you or a dependent are admitted to the hospital you'll receive a flat amount and a daily amount paid for every day you or your dependent are hospitalized. You have a choice of two plans: low-deductible or high-deductible

Covered benefits also include lodging and health wellness screenings. Members have access to all of these benefits, regardless of which plan is selected:

Hospital Coverage (Accident)

  • Admission
  • Extended hospitalization
  • Inpatient rehab

Hospital Coverage (Sickness)

  • Admission
  • Extended hospitalization

Download a printable summary of the plan:


Answers to your questions

Questions? We have answers! Here are your most frequent hospital questions.

Q: Why should I choose a hospital plan?

A: Staying in the hospital after an accident or illness can be costly. Expenses like plan deductibles, copays for doctor visits, and extra costs for out-of-network care can add up fast. Having the financial support you may need when the time comes means less worry for you and your family.

Your coverage is also portable. Whether you change jobs or retire, the coverage only ends if you stop paying the monthly cost.

Q: How do I submit a claim?

A: It's simple! Call 800-GET-MET8 or visit to get a form and submit your claim along with a physician's statement.

Within 3 days of submitting your claim info, you'll receive a letter of acknowledgment. After you claim has been processed, you'll receive your payment within 10 business days.

Representatives are also available to walk you through the claims process.

Q: Is there a waiting period before my coverage begins?

A: No. This supplemental insurance will be effective on the date of your coverage as long as you are actively at work. There are no waiting periods to satisfy.

Q: Can I enroll without having to take a medical exam?

A: Yes. If your employer offers hospital insurance, your acceptance is guaranteed, regardless of your health. You need to be actively at work for your coverage to be effective. There are no medical exams and no health questions to answer.

Nextep's benefits department is here to help!

Do you have more questions about our benefits? Log in to your account and chat with us, call 888-811-5150, or submit your question here.