Get daily cash benefits to cover hospital stays, ICU expenses, and recovery costs. With IDR insurance, you gain financial support and peace of mind when unexpected hospitalizations or emergencies disrupt your life—so you can focus on healing, not bills.
IDR gives you extra cash support and critical coverage alongside your regular health plan—so unexpected hospital stays don’t drain your savings or disrupt your financial stability.
Want a cash cushion during a hospital stay? IDR coverage helps bridge those unexpected out-of-pocket costs your main health plan may not cover.
Key Details
IDR pays you a fixed cash amount for each day you’re hospitalized—you choose how to use it (cover deductibles, rent, childcare, or daily expenses).
Works seamlessly with your current health plan—no network restrictions for receiving the cash benefit.
What to Know About IDR Hospitalization Insurance
Designed as a supplemental plan—not a replacement for your ACA-compliant major medical coverage.
Provides fixed cash payouts for covered hospital stays or events.
Benefit amounts, waiting periods, and pre-existing condition limitations may vary by state and carrier.
Use the cash freely for both medical and non-medical expenses—like deductibles, travel, or household bills.
Fast Next Steps
Keep details of your current plan’s deductible, copays, and any upcoming procedures ready.
We’ll help compare IDR’s hospitalization benefits with your existing coverage to fill financial gaps and strengthen your protection.
Planning a surgery or a scheduled hospital stay? Get guaranteed cash benefits to support your recovery with IDR Insurance.
Key Details
Daily confinement or lump-sum admission benefits help cover unexpected hospital expenses.
Optional add-ons such as ambulance, ER, and surgical benefit riders are available depending on your plan.
What You Should Know
This coverage supplements your primary health plan; it is not an ACA-compliant major medical plan.
Provides fixed cash benefits for covered hospital stays or events.
Benefit amounts, waiting periods, pre-existing condition limits, and optional riders may vary by state and plan.
Cash benefits can be used for medical and non-medical costs, including deductibles, travel, or everyday bills. It supports your main insurance, not replaces it.
Next Steps
Keep your current plan’s deductibles and copays, along with any upcoming procedures, ready.
IDR Insurance will help you compare hospitalization benefits alongside your health plan to cover any gaps.
If your condition requires ICU care, expenses can rise quickly—IDR Insurance provides higher daily cash benefits to help cover these costs.
Key Details
Many plans offer higher daily ICU benefits or a separate lump-sum payout for critical care.
Supports travel, lodging, or lost wages while your family is with you during hospitalization.
What You Should Know
This coverage supplements your main health plan; it is not an ACA-compliant major medical plan.
Provides fixed cash benefits for covered hospital stays or events.
Benefit amounts, waiting periods, pre-existing condition limits, and optional riders may vary by state and plan.
Cash benefits can be used for medical and non-medical expenses, such as deductibles, travel, or everyday bills. It enhances your main insurance, not replaces it.
Next Steps
Keep your current plan’s deductibles and copays and any upcoming procedures ready.
IDR Insurance will help compare hospitalization benefits alongside your health plan to cover any gaps.
No paid time off? A hospital stay can strain your finances—IDR Insurance provides cash benefits to keep money flowing.
Key Details
Daily confinement or lump-sum admission benefits help cover unexpected hospital costs.
Optional add-ons include ambulance, ER, and surgical benefit riders (availability varies by plan).
What You Should Know
This coverage supplements your main health insurance; it is not an ACA-compliant major medical plan.
Offers fixed cash benefits for covered hospital stays or events.
Benefit amounts, waiting periods, pre-existing condition limits, and optional riders can vary by state and plan.
Cash benefits can be used for medical and non-medical expenses, such as deductibles, travel, or everyday bills. It supports your main insurance, not replaces it.
Quick Next Steps
Keep your current plan’s deductibles and copays and any upcoming procedures handy.
IDR Insurance will help you compare hospitalization benefits alongside your health plan to fill any gaps.
Life is unpredictable. If an accident or illness leads to hospitalization, IDR Insurance ensures you have cash benefits ready—so you’re not left scrambling.
Key Details
Works well with accident or critical illness coverage to provide broader financial protection.
Observation vs. admission matters—benefits are paid according to your plan’s terms.
What You Should Know
This plan supplements your main health insurance; it is not an ACA-compliant major medical plan.
Provides fixed cash benefits for covered hospital stays or events.
Benefit amounts, waiting periods, pre-existing condition limits, and optional riders vary by state and plan.
Cash can be used for medical and non-medical expenses, such as deductibles, travel, or everyday bills. It enhances your main insurance, not replaces it.
Next Steps
Keep your current plan’s deductibles and copays and any upcoming procedures handy.
IDR Insurance will help you compare hospitalization benefits alongside your health plan to fill any coverage gaps.
Hospital copays can add up. IDR Insurance hospitalization coverage can help ease those costs with cash benefits.
Key Details
Designed to help with daily copays for inpatient stays and observation (depends on your plan).
Not a Medigap policy; this is a separate supplemental cash plan.
What You Should Know
This plan supplements your primary health insurance; it is not an ACA-compliant major medical plan.
Provides fixed cash benefits for covered hospital stays or events.
Benefit amounts, waiting periods, pre-existing condition limits, and optional riders may vary by state and plan.
Cash can be used for medical and non-medical expenses, including deductibles, travel, or everyday bills. It enhances your main insurance, not replaces it.
Next Steps
Keep your current plan’s deductibles and copays and any upcoming procedures handy.
IDR Insurance will help you compare hospitalization benefits alongside your health plan to cover any gaps.
Four simple steps. Cash benefits when you need them.
Answer a few simple questions, select your plan and effective date—no lengthy forms required with IDR Insurance.
Once approved, IDR Insurance sends your confirmation instantly—no waiting required.
If you’re hospitalized, file a quick claim with IDR Insurance and receive a lump-sum cash benefit for each covered stay.
IDR Insurance cash benefits can be used for medical bills, rent, groceries, or anything else that helps you focus on recovery.
IDR Insurance provides a fixed daily cash benefit for each day you’re admitted as an inpatient.
What It Is
A fixed cash amount paid directly to you for each day you’re admitted as an inpatient, regardless of actual hospital charges.
When It Pays
Typically applies to a 24-hour inpatient stay (observation stays may not qualify).
Benefits vary by plan; amounts are often tiered based on plan level.
Example
Base benefit: $200/day × 4 days = $800 paid directly to you
IDR Insurance provides higher daily cash benefits for ICU or critical care stays.
What It Is
An enhanced daily cash benefit when you’re admitted to an ICU or other critical care unit.
How It Works
Often pays a multiple of your base daily benefit (e.g., 2×–4×).
May have a separate maximum number of ICU days per plan.
Example
ICU benefit: $400/day × 2 days = $800 paid directly to you
IDR Insurance provides a one-time lump-sum cash benefit on your first day of inpatient hospitalization.
What It Is
A one-time cash payment when you’re first admitted as an inpatient.
Good to Know
Paid in addition to daily hospital cash benefits.
Amount and eligibility vary by plan.
Example
Admission benefit: $500 paid once per confinement
IDR Insurance provides pre-set cash benefits based on the tier of your medical procedure.
What It Is
Cash benefits paid according to a scheduled list of procedures (minor, intermediate, major). Some plans provide a flat amount per surgery.
Includes
Covers inpatient and sometimes outpatient surgeries (check your plan for details).
Pre-authorization rules may apply.
Example
Major surgery allowance: $2,000 (amount varies by plan and carrier).
IDR Insurance pays a percentage of the scheduled surgery benefit.
What It Is
Provides additional cash for anesthesia services, usually calculated as a percentage of your scheduled surgery benefit.
Typical Range
Often 20%–30% of the covered surgery allowance.
IDR Insurance provides extra daily cash benefits to help cover room, board, and incidental expenses during hospitalization.
What It Is
Certain plans provide a separate per-day cash benefit to help cover hospital room, board, and miscellaneous expenses.
Note
Paid directly to you, not the hospital—you decide how to use it.
Accident coverage often starts on day one, while sickness coverage may require a waiting period.
What to Expect
Accidents are often covered immediately, with no waiting period.
Illness benefits may begin after a specified number of days, depending on your plan.
Tip
Always check your policy for exact timelines and effective dates.
IDR Insurance benefits may have limits per day, per confinement, or per year, depending on your plan.
How Limits Work
Per-day caps apply to base and ICU cash benefits.
Maximum number of days per confinement and/or per calendar year may apply.
Overall policy maximums could also apply depending on your plan.
Why It Matters
Select a plan with caps that match your risk tolerance to ensure adequate coverage.
Provide a simple proof of hospitalization, and receive your cash benefit directly via check or ACH with IDR Insurance.
What You’ll Submit
Admission and discharge paperwork; sometimes an Explanation of Benefits (EOB) if you have major medical coverage.
Any carrier-specific forms as required.
How You Get Paid
Benefits are paid directly to you, giving you flexibility to use the funds for medical bills, rent, childcare, travel, or anything else you need.
Pre-existing conditions and specific services may not be covered under IDR Insurance plans.
Common Limitations
Pre-existing conditions may have look-back or limitation periods.
Routine preventive care is typically not covered.
Maternity, mental health services, or certain medications may be excluded depending on your plan.
Bottom Line
Always review your policy and coverage outline for full details and specifics.
DR Insurance coverage stacks on top of your major medical plan—it provides cash benefits, not discounts.
How It Coordinates
IDR Insurance pays in addition to your primary major medical plan.
It is an indemnity benefit, not a network discount.
Use Cases
Helps offset deductibles and coinsurance on your primary plan.
Covers travel, lost wages, family lodging, and other indirect costs associated with hospitalization.
Observation stays may not be eligible—understand the difference to ensure proper coverage with IDR Insurance.
Key Distinction
With IDR Insurance, benefits are typically payable only when you’re formally admitted as an inpatient. Observation stays — even overnight ones — may not qualify for hospitalization benefits.
Tip
Always confirm your admission status with the hospital and keep all related documents for a smooth claim process.
Save when you combine health insurance with dental, accident, vision, disability income, and more.
IDR Insurance provides a fixed cash benefit for each day you’re hospitalized.
What It Does
Pays a fixed cash amount for each day you’re admitted as an inpatient in a hospital.
When It Helps
Overnight stays can lead to quickly accumulating bills — this benefit puts cash directly in your hands to offset deductibles and non-medical expenses.
Important Details / Fine Print
Maximum days per confinement or per year may apply.
Must meet facility and inpatient definitions.
Observation stays may be excluded or reimbursed differently depending on your plan.
IDR Insurance provides higher daily cash benefits for ICU or Critical Care Unit (CCU) stays.
What It Does
Provides an enhanced daily cash benefit when you’re admitted to an Intensive Care Unit (ICU) or Coronary Care Unit (CCU).
When It Helps
For serious conditions requiring ICU monitoring, where deductibles and cost-sharing can be high.
Important Details / Fine Print
Often comes with a separate maximum number of ICU days.
Step-down units may not qualify.
Some plans pay ICU benefits as a multiple of the standard inpatient benefit.
DR Insurance provides pre-set cash benefits based on the tier of your medical procedure.
What It Does
Pays a fixed cash amount for each covered surgery performed during an inpatient stay. The amount may vary based on procedure tier or schedule.
When It Helps
Covers major surgeries where hospital and surgeon bills can be significant.
Important Details / Fine Print
Pre-existing condition look-back periods may apply.
Exclusions may include experimental procedures.
Definitions for surgeon vs. facility billing apply depending on the plan.
IDR Insurance provides an additional cash benefit linked to your covered surgery.
What It Does
Pays an additional fixed amount or percentage alongside a covered surgery to help cover anesthesia services.
When It Helps
Applies to any covered surgery requiring anesthesia.
Important Details / Fine Print
Usually payable only when the related surgery benefit is paid.
Percentage caps may apply depending on your plan.
IDR Insurance provides a fixed cash benefit for same-day or outpatient surgeries.
What It Does
Pays a scheduled cash amount for covered surgeries performed at an outpatient facility or ambulatory surgical center.
When It Helps
Ideal for planned procedures that don’t require an overnight stay.
Important Details / Fine Print
Coverage depends on facility type and procedure coding.
Some procedures may be excluded.
Separate from the inpatient surgery benefit.
IDR Insurance provides a one-time cash benefit for emergency room visits due to injury or illness.
What It Does
Provides a fixed cash benefit when you’re treated in a hospital emergency room for a covered injury or illness.
When It Helps
Covers unexpected ER visits that can result in high facility fees.
Important Details / Fine Print
Usually requires treatment within a specified time of symptom onset.
Benefit amounts may differ for injury vs. sickness.
Urgent care visits may be excluded depending on your plan.
IDR Insurance provides a fixed cash benefit for each 24-hour hospital observation period.
What It Does
Pays a cash benefit for hospital stays billed as outpatient observation instead of a full inpatient admission.
When It Helps
Useful when you’re kept for monitoring but not formally admitted as an inpatient.
Important Details / Fine Print
Coverage depends on specific billing codes.
May require a minimum number of continuous hours.
Some plans may exclude observation stays entirely.
IDR Insurance provides a fixed cash benefit for medically necessary transportation.
What It Does
Pays a fixed cash amount for ground and/or air ambulance transportation related to a covered event.
When It Helps
Covers emergency transport to or between medical facilities.
Important Details / Fine Print
Per-trip caps and limits may apply.
Transport must be medically necessary and to an eligible facility.
Air transport may have separate or lower frequency limits depending on your plan.
IDR Insurance provides a fixed cash benefit for each day a doctor sees you during your hospital stay.
What It Does
Pays a fixed cash amount for each day a physician visits you during a hospital stay.
When It Helps
Covers longer hospital admissions where daily physician rounds add to costs.
Important Details / Fine Print
Maximum of one visit per day.
Certain provider types may be excluded.
Telemedicine or virtual rounds may not qualify.
IDR Insurance provides a fixed cash benefit for each day following a covered hospital stay.
What It Does
Provides a per-day cash benefit for stays in an inpatient rehabilitation or skilled nursing facility following a covered hospital admission.
When It Helps
Covers post-acute recovery where coinsurance and other costs can add up.
Important Details / Fine Print
Prior hospitalization is required.
Limits may apply on number of days and levels of care.
Custodial care is excluded.
Explore the IDR Insurance Resource Center for answers to your questions, the latest industry insights, and helpful tools to navigate your insurance and financial decisions.
Our licensed agents are certified in multiple states—call us or request a callback!
Trusted by customers worldwide for dependable service and exceptional results.
“I’ve never felt more secure. IDR Insurance gave me peace of mind knowing my home and belongings are fully protected.”
“The customer support is outstanding. They answered all my questions and guided me through choosing the right coverage for my needs.”
“Affordable rates, excellent coverage, and a team that genuinely cares. IDR Insurance has been a game-changer for my family.”
Unlike standard health insurance that pays hospitals or doctors directly, IDR Hospitalization Insurance pays you—in cash—for each day you’re admitted. Use the money your way—whether it’s for medical bills, rent, groceries, or even travel to and from the hospital. With IDR, your recovery stays financially worry-free.
IDR Hospitalization Insurance typically covers:
Daily cash benefits for every day you’re admitted to the hospital.
ICU or critical care stays with higher daily payouts.
Surgical procedures with lump-sum cash benefits.
Additional allowances for room & board, and sometimes ambulance costs, depending on your plan.
Yes—because standard health insurance doesn’t cover everything.
Deductibles, copays, out-of-network expenses, and lost wages can still take a toll. IDR Hospitalization Insurance helps fill those gaps with cash benefits you can use however you need.
IDR Hospitalization Insurance premiums are typically affordable—often less than the cost of your monthly streaming services.
Your exact premium depends on age, health, and the coverage level you choose.
Absolutely—that’s the idea behind IDR Hospitalization Insurance.
Whether it’s helping with your mortgage, childcare, or everyday bills while you recover, the cash benefit is yours to use however you need.
IDR Hospitalization Insurance is especially valuable if you:
Have a high-deductible health plan.
Are self-employed or don’t receive paid sick leave.
Want peace of mind, knowing your family won’t face financial strain if you’re hospitalized.
Call, text, or click. We’re ready when you are.
Call: (636) 556-5555, (314) 499-8888
Mail: support@idrinsurance.com
Chesterfield Office: 691 Trade Center Blvd, Chesterfield, MO 63005
Ofallon Office: 1001 Boardwalk Springs Pl #111, O'Fallon, MO 63368
