Hospital & Accident Plan


Receive a large benefit payout upon hospital admission or outpatient surgeries. This helps your loved ones cover large medical bills and unexpected expenses related to hospital stays, protecting their financial future.

Hospital bills could destroy your financial future!

Many do not have enough savings to cover deductibles of a long-term stay in hospital or an extensive trip to the ER for an accident. Get a

Don't get caught paying

huge hospital bills!

We offer federal employees a way to cover costs that their primary insurance might not, such as deductibles, copays, or other medical expenses, providing additional financial support during medical treatments or hospitalizations.

Protect yourself with a

hospital & accident plan today!

  • Pays in addition to any other insurance
  • Pays in addition to workers compensation
  • Guarantee Issue available with 12 month pre-existing exclusions
  • Maternity claims covered as illness

Plan Highlights:

Incentives just for doing routine wellness checkup

If you are already receiving an annual or routine health checkup, you can receive money just for staying up to date on your health!

Already have a Hospital/Accident Plan?

Click below to upload an itemized bill from your wellness check or screening.

A female doctor is smiling while talking to a patient.
Blood pressure check

How Hospital and Accident Coverage Works:

  • Get Admitted or Experience an Accident

    If you’re admitted to the hospital or have an accident that requires medical care, you are eligible for benefits

  • Receive a Direct Payment

    You’ll receive a check, and the amount paid to you depends on the length of your hospital stay or the severity of the injury.

  • Use the Money However You Need

    The payment goes directly to you, so you can decide how to use it. You can:

    • Pay for copays or medical bills.
    • Offset income loss if you miss work.
    • Purchase medical equipment or anything else that helps during your recovery.

  • Your Money, Your Choice

    The best part? You get to decide how to spend the money, giving you the flexibility to use it in a way that meets your needs during a difficult time.

A nurse is giving a patient a prescription in a hospital.

Kathy's Story

A trip to the emergency room during the global pandemic of 2019 revealed that I was dealing with an acute episode of diverticulitis. The pandemic compounded this unexpected health event but having FED Benefits Center on my side was a God-send. David Haddock’s onsite visits to my employer provided me with direct access to a knowledgeable insurance professional who answered my questions. David put me in contact with Linda S., their Claims Supervisor, who assisted with my claim. I had a little difficulty getting the paperwork in good order but Linda’s expertise, guidance and leg-work made the experience much more manageable for me. Once the insurance company received my claim, the benefits were timely paid. Without FED Benefits Center I would not have had this insurance protection nor the financial assistance needed at a time when I was unable to work. 

- Kathy M., Florida

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