Hospital, Disability & Long-Term Care

NEA® CarePlus Hospital Insurance Plan (Hospital Indemnity and Short Term Recovery Insurance Plan)

Get help paying for necessities while you recover from a hospital stay
(For members age 65 and older)

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Focus on your health, not your bills, by adding another layer of protection to your existing health insurance coverage

If you’re 65 and older, the NEA CarePlus Hospital Insurance Plan provides a benefit that can help pay for some of the costs associated with a hospital stay and recovery time that your health insurance may not cover. This is in addition to your existing health insurance coverage.

Are you under age 65 and interested in hospital insurance? Please see the NEA Group Hospital Income Insurance Plan.

  • Pays up to $9,4501 cash benefits for hospital and home recovery for a covered injury or illness. This means you can collect $750 for your covered hospital or skilled nursing facility stay starting on day one, an additional $500 if you're in there for 14 days and an additional $200 if hospitalized or in a nursing home for more than 31 days.
  • Receive up to $1,4502 cash benefit for hospital and/or skilled nursing facility stay ($750 on day one, $500 for 14 days and $200 for more than 31 days)
  • Cash benefit up to $8,000 ($200 a day for up to 40 days)1
  • You won’t lose coverage due to your age or health
  • Use the money to pay for expenses such as over-the-counter drugs, medical equipment, childcare and pet care, meals and lodging, private room upgrades and more

What is the NEA CarePlus Hospital Insurance Plan?

Watch a brief overview of how this plan can help pay the “extra” hospital and recovery expenses Medicare or your current health care plan doesn’t pay. Enjoy greater freedom to take charge of your own care.

how it helps

Get the freedom you need to take charge of your own recovery care

Helps cover the gaps

During and after a hospital stay, you can receive payments regardless of any medical insurance you already have. Use the money to pay for costs not covered by Medicare, as well as pay for supportive services such as a home caregiver, childcare and more. You decide what to do with the money.

Affordable rates

Pay an affordable group rate based on your age, thanks to the buying power of 3 million NEA members.

Easy to apply

Acceptance is guaranteed for both you and your spouse or domestic partner over age 65 (subject to pre-existing condition limitations).

Flexible cash benefits

Choose to receive payments directly, or have them paid out to anyone you like, to pay for your recovery expenses.

How It Works

Enroll today

How to enroll

  1. Make sure you’re logged in to your NEA Member Benefits account.
  2. Click “Enroll Now” above to open a new secure page with your personalized information.
  3. Complete the online enrollment form and get a quote. Representatives are available to help you with any questions you may have.

Learn more about the NEA CarePlus Hospital Indemnity Insurance Plan

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Important Information

1. At age 80, home recovery benefits reduce to a maximum of 20 days per accrual year (one benefit period), and the maximum benefit is $4,000 for recovery benefits. Hospital Stay: ($750 for day 1 + $500 for up to day 14 + $200 for up to day 31) = $1,450. Home Recovery Cash benefit: $200/day for up to 40 days = $8,000. $1,450 + $8,000 = $9,450.

2. Hospital or skilled nursing stays pay up to $1,450 cash benefit for hospital and/or skilled nursing facility stays. You can collect $750 for your covered hospital or skilled nursing facility stay starting on Day One, an additional $500 if you’re there for 14 days, and an additional $200 if you’re hospitalized or in a nursing home for more than 31 days.

This website explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued. In the event of a discrepancy between this website and the policy, the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policies underwritten by Hartford Life and Accident Insurance Company detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in full or discontinued. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy issued to the policyholder. This program may vary and may not be available to residents of all states.

Underwritten by Hartford Life and Accident Insurance Company, Hartford, CT 06155

THIS IS A HOSPITAL CONFINEMENT INDEMNITY POLICY. THE POLICY PROVIDES LIMITED BENEFITS. This limited benefit plan (1) does not constitute major medical coverage, and (2) does not satisfy the individual mandate of the Affordable Care Act (ACA) because the coverage does not meet the requirements of minimum essential coverage.

The Hartford® is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company.

Hospital Indemnity Form Series includes GBD-2800, GBD-2900, or state equivalent.