Variable Income Plans

Our Variable Income Plan (VIP) is an addition to your regular healthcare coverage. It pays you dollars per day for any covered hospital stay. For each day you spend in the hospital, our VIP plan can pay cash benefits directly to you.*

Preferred Plan

Budget Plan

Cash benefit for each day you're in the hospital Choose $250, $200 or $100 Choose $250, $200 or $100
When do payments begin? The day you are admitted to the hospital The third day of your hospital stay
Age requirement to apply for this plan Under 65 Under 80
A VIP contract is guaranteed to be renewed. The contract ends if your monthly premium is not paid within 30 days after the dute date.**
If you have the Preferred Plan, you will be automatically moved to the Budget Plan when you turn 65.


Admissions for the following items are not covered:

  • Admissions that are not medically needed
  • Pre-existing conditions during the first year of coverage
  • Obstetrical care (relates to childbirth) expect maternity complications in certain membership categories
  • Substance abuse and cosmetic treatments
  • Admissions for dental care and treatment, and dental appliances
  • Admissions outside the United States
  • Admissions already in progress


See contract for complete list

*If you assign benefits to an in-state hospital, cash benefits will be paid directly to that hospital. **Premiums are subject to change by the company periodic ally. Premiums are also based on ages 35, 50 and 65.