Hospital Income Insurance
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Hospital stays can be expensive. A daily benefit can help defray that expense, especially if your basic medical plan has a high deductible.

The benefits from the Hospital Income Insurance Plan are paid directly to you to use any way you decide. Or you may assign benefits to be paid directly to the Hospital or any other healthcare facility in which you receive care. With these benefits, all of  your out-of-pocket hospital expenses don't have to be paid out of your own pocket.

Benefit Features:

  • Select amount of daily benefit
  • Benefit paid directly to you or anyone you assign
  • Family coverage available

How to Enroll

To enroll for coverage or learn more about this plan (including costs, exclusions, limitations and terms of coverage), contact Mercer Consumer. Or to speak to a customer service representative call

This policy provides limited benefits health insurance only. It does NOT provide basic hospital, basic medica or major medical insurance as defined by the New York State Department of Financial Services.

This limited health 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.

Type of Insurance Hospital Income
Underwritten By Hartford Life Insurance Company
Form Number SRP-1151 A (HL) (5186)
Group Policy Number AGP-5186

Answers about the plan, including eligibility, options, enrollment, customer service and more.

Issuance of this policy is handled over the Internet and the mail. You can review the materials in the privacy of your home and purchase your policy directly through the mail without meeting with an agent. You can, of course, talk to a licensed representative if you'd like. Please click on the Contacts section for the toll-free number.
To learn more about the Hospital Income Plan, contact the Plan Administrator, Mercer Consumer toll-free at 1-800-247-7988, or download an enrollment form and brochure by clicking on the link to the right of this page.
To enroll for coverage, download an enrollment form by clicking on the link to the right of this page, or to speak to a customer service representative, call our toll-free number: 1-800-247-7988.
You simply request a claim form from the Insurance Administrator. You and your doctor complete the form stating why and how long you were Hospitalized for a covered injury or sickness. Return the form to the Insurance Administrator and they will expedite your claim for payment.
This plan is designed to give you the additional benefits you need to help keep up with inflationary health costs. Benefits are paid directly to you, so you may use them where you need help the most. Of course, you may assign benefits to your doctor or Hospital if you wish. The decision is yours.
You will have 30 days from the date of receipt to review the insurance certificate. If you are not satisfied with the terms of the certificate, simply return it to the Insurance Administrator and any premiums paid will be refunded in full, minus any claims paid.

These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.

Insurance Enrollment Form and Brochure 

Download Adobe Acrobat Reader

We're here to help! Please contact us in whatever manner is most convenient for you.

Program Administrator

Mercer Consumer
12421 Meredith Drive
Urbandale, IA 50398
Phone: 1-800-247-7988
Hours: 7:30 am to 5:00 pm M-F (Central)
Web site:

Insurance Company

Hartford Life Insurance Company
One Hartford Plaza
Hartford, CT 06155
Web site:

Important Notes:

This web site 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 web site 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 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.

SRP-1151 A (HL) (5186)

Insurance Enrollment Form and Brochure Download

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