Daily benefits typically range from $100 to $500 or more. Higher benefits cost more, so the goal is to match coverage to your real exposure.
A simple three-step method
- Add up exposure. Your deductible plus maximum out-of-pocket limit, plus a month of fixed bills.
- Estimate a typical stay. The average U.S. hospital stay is a few days, so plan for three to five.
- Divide. Exposure divided by days gives a target daily benefit.
Example: $3,000 exposure over four days is roughly a $750 target, though many people choose a lower benefit to keep premiums affordable.
You can adjust the benefit any time before you apply, so use our quote tool to compare several options side by side.
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This article is for general information and is not insurance or legal advice.
