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What Is Supplemental Insurance?

Supplemental health insurance1 is additional insurance you can purchase to help individuals and families deal with additional medical care and the extra costs associated with hospital stays.

Supplemental
Insurance Coverage

Help ensure you’ve provided for these and other potential extra costs.

  • Deductibles and co-insurance amounts
  • Private room and private duty nurse fees
  • Outpatient surgery
  • Emergency room visits
  • Extra transportation, lodging, or meals
  • Unexpected child care

State Farm® Supplemental
Plan Availability

Select a state

Select your state to view Supplemental
Insurance coverage information.

Supplemental
Insurance Benefits

Not only can supplemental insurance help pay for things not covered by your primary health insurance policy, but it also has other advantages.

  • Coverage begins on the first day of the hospital stay; there is no deductible.
  • Covered hospital stays are payable for up to one year for the same or related condition.
  • Reimbursements are paid directly to you, unless you tell us otherwise.

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State Farm pays the hospital admission benefit amount of $3,500 for the first day the hospital confinement benefit is payable if a covered person is necessarily admitted and confined as a resident inpatient in a hospital. This benefit is payable a maximum of one time per calendar year per covered person.

State Farm pays the hospital confinement benefit amount of $250 for each day a covered person is necessarily admitted and confined as a resident inpatient in a hospital ($300 each day for Colorado and Florida). This benefit is payable a maximum of 365 days for any one confinement. If a hospital observation stay and a hospital confinement occur on the same day, only the hospital confinement benefit is payable.

State Farm pays the intensive care benefit amount of $250 for each day a covered person is necessarily confined in the intensive care unit of a hospital ($300 each day for Colorado and Florida). This benefit is payable a maximum of 30 days for any one confinement and is in addition to the hospital confinement benefit.

State Farm pays the hospital observation benefit amount of $250 for each day a covered person receives treatment as an outpatient in a hospital observation unit and an observation room charge is incurred. This benefit is payable a maximum of 14 days per observation stay. A maximum of three hospital observation stays shall be payable per calendar year per covered person. (Limited supplemental coverage in Colorado and Pennsylvania).

State Farm pays the emergency accident benefit amount of $250 for each day a covered person requires emergency treatment as the result of an injury. Emergency treatment must be provided by a physician in a physician's office, urgent care facility, or hospital emergency room and be received within 72 hours of the injury , or within 12 months of the injury for New Hampshire and Washington, or as soon as reasonably possible in Utah. This benefit is payable a maximum of three days per calendar year per covered person. Only one benefit shall be payable per day per covered person. (Benefit not available in Connecticut, limited supplemental coverage in Colorado and Pennsylvania).

State Farm pays the extended care benefit amount of $125 while a covered person is a resident inpatient in an extended care facility ($150 for each day for Colorado and Florida). An extended care facility stay must follow a hospital confinement of at least three days for which a hospital confinement benefit was payable, begin within 30 days after such hospital confinement, be for the sole purpose of receiving medical care for and during convalescence from the same injury or sickness which caused the hospital confinement, and must not exceed 60 days per calendar year, or per confinement for New York. This benefit is not payable for custodial care.

State Farm pays the outpatient surgery benefit amount of $250 for a covered person's outpatient surgical operation. The surgery must be necessary for the treatment or diagnosis of an injury or sickness and performed by a physician in a medical facility. This benefit is payable a maximum of 12 days per calendar year per covered person. Only one outpatient surgery benefit shall be payable per day, per covered person. This benefit is not payable while the covered person is confined in a hospital or is a resident inpatient in an extended care facility. (Benefit not available in Connecticut, limited supplemental coverage in Colorado and Pennsylvania).

State Farm pays the ambulance benefit amount of $500 for ground and $1000 for air if a covered person requires transportation by ambulance for an injury or sickness to or from a hospital or between medical facilities. This benefit is payable a maximum of one time per calendar year per covered person for ground ambulance and a maximum of one time per calendar year per covered person for air ambulance (limited supplemental coverage in Colorado and Pennsylvania).

If as a result of Maryland's state requirement of a utilization review for all patient's admitted to the hospital, you are billed for a Second Opinion, we will pay $125 per occurrence.

Filing a
Health Claim

Filing a health insurance claim is simple and can be done in one of two ways. Pick the option that's best for you.

  • Take your bill(s) to your State Farm agent's office.
  • Call our Health Response Center at 866-855-1212866-855-1212 to request a claim form.

Contact a Local
State Farm Agent

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1 Specifically, Hospital Income, Hospital Indemnity, Hospital Confinement Indemnity Coverage, Hospital Confinement Indemnity Policy, Supplemental Hospital Indemnity policy and Daily Hospital Confinement Indemnity.

Disclosure

This is a Marketing tool intended for use in the sale of insurance. Completion of an application for a State Farm® insurance policy will require contact with a State Farm agent/insurance producer.

This is a supplement to health insurance and is not a substitute for major medical coverage.

This information provides only a brief description of coverage. It is not a contract. State specific modifications and options may or may not be applicable. This policy may not be available in all states. A complete statement of coverage is found only in the Hospital Income policy/Hospital Income/Hospital Indemnity/and Hospital Confinement Indemnity products/Supplemental Medical Insurance, and any attached Riders. Renewal premiums will increase periodically depending on your age. For additional details on coverage and cost, contact a State Farm agent/insurance producer. See policy form 97024 for exact terms and conditions.

State Farm Mutual Automobile Insurance Company
Bloomington, IL
HI-4.12