Pacific Life Hospital Indemnity Insurance pays benefits when covered employees are admitted to a hospital, confined to a hospital, visit the Emergency Room, Urgent Care, or their physician, or seek other forms of treatment. You can review your Certificate of Coverage in your portal to see all benefits available to you.

Pacific Life Hospital Indemnity insurance stands out with comprehensive coverage to include benefits like outpatient infusions, inpatient and outpatient behavioral health facilities, newborn nursery, substance abuse rehabilitation coverage, and support for home health care.

With deductibles, copays, coinsurance, and out-of-pocket maximums, medical expenses often exceed what insurance pays. Plans like Pacific Life Hospital Indemnity Insurance help cover out-of-pocket costs and bridge the gap on what medical insurance pays.

There is no out-of-pocket payment required for enrollment. Your employer will conveniently deduct your premium from your paycheck.

Through a simple online form in your portal, we will ask you about the event and tell you what documents are needed. Then we will use our innovative event-based claims approach to automatically create all applicable claims, ensuring we maximize your benefits. You’ll receive notifications – electronically or by mail – about your claims’ status along the way. For additional assistance, you can call us at (855) 810-3301.

Your online Pacific Life Portal gives you the ability to manage all your benefits in one convenient location. After you enroll, you’ll receive an email invitation with a link to create your account. If you need additional support, call us at (855) 810-3301. Once your account is set up, you can sign in.

No. Your benefits can be used how you choose.  

Most Pacific Life Hospital Indemnity Insurance policies include wellness benefits to promote a proactive approach to your health. These benefits vary by state. You can check your Certificate of Coverage found in your portal for details.

When you retire or leave the company, you may be eligible to continue coverage or convert to an individual policy. You can check your Certificate of Coverage found in your portal for details. If your coverage terminates, you will be notified of your right to convert and any other options that may be available to you.

If your employer's plan includes coverage for family members, you likely only have the ability to make changes during annual enrollment or after a qualifying life status change, such as marriage, divorce, or birth of a child. Reach out to the benefits administrator at your company to discuss eligibility and make changes.

Current members can call us at (855) 810-3301 with any questions. We are here to help you get the most out of your Pacific Life benefits.