Hospital Indemnity

---

Even with health insurance, hospital stays can result in unexpected out-of-pocket costs. Beginning in 2026, ORNL will offer a hospital indemnity plan, a type of supplemental health insurance that provides a fixed daily benefit payment for each day you are hospitalized.

The benefit covers planned (e.g., maternity) or unplanned (e.g., accident or illness) hospitalizations. This benefit is paid directly to you, and you can use it to help cover out-of-pocket expenses related to your hospital stay, such as deductibles, copays, coinsurance, or other costs like transportation or childcare.

Why add MetLife Hospital Indemnity Insurance?

• Get payments made directly to you, not your healthcare providers.
• Have coverage for yourself and your eligible family members.
• Acceptance is guaranteed with no health questions or test required.

Once your coverage is effective, you can register at mybenefits.metlife.com to view your certificate, submit a claim, update beneficiary info and more.