Voluntary Benefits

Trustmark Hospital StayPay - Hospital insurance

Helping keep your finances balanced while your body recovers

Nobody expects to wind up in the hospital. And if you do, you may assume your medical insurance will pay for it all. But hospital stays can be incredibly expensive. 

Trustmark Hospital StayPay® is hospital insurance that pays cash directly to you for days you spend in the hospital. The plan pays regardless of other coverage you have, and there are no restrictions on how you may use the money. 

With Hospital StayPay, you can worry less about your bills, and focus on recovering.

Hospital insurance takes the pain out of hospital bills

Hospital bills can be sky-high, no matter what kind of medical insurance you have. And if you have a high-deductible health plan (HDHP), the costs of a hospital stay can hit you all at once. Imagine having to pay your entire yearly out-of-pocket maximum in one day! 

That’s where Hospital StayPay comes in. We’ll pay you a daily benefit just for being hospitalized, as well as for every day you spend in the hospital (up to 365 days).  If you have to spend time in intensive care, those days could pay double the normal daily rate. Some plans pay for other things, too – talk to your sales or benefits representative to learn more. 

Frequently Asked Questions

How does Hospital StayPay coverage affect my health insurance? 
It works in addition to your health insurance! Trustmark insurance works on top of any other insurance you have, and we pay you directly, so you’ll get your full benefit even if your medical insurance pays the entire cost of your care. 

What kind of screenings or tests does my Whole Body Wellness Rider cover?
If offered on your Hospital StayPay plan, you can use this feature to claim benefits for a routine wellness screening test or preventive services, such as (see your policy for details):
  • Mammogram
  • Colonoscopy
  • Pap Smear
  • EKG
How long will it take Trustmark to handle my claim? 
We process Hospital StayPay claims within five business days, which includes communication with you to confirm our payment or ask you for more information.  

What can I spend my benefits on? 
Anything! We pay you directly, so you can use the money for anything you want.