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Hospital Indemnity Coverage (HIC)

Hospital Indemnity Coverage (HIC) provides benefits for you and your eligible dependents if you are admitted into a hospital as an inpatient due to a covered sickness or injury. The levels of daily coverage are $50, $100 or $150. The employee may choose different levels of coverage for he/she and the family.

Hospital Indemnity Coverage

Unexpected hospital stays can mean lost time and lost income, which can make it hard to keep up with bills and things at home. Hospital Indemnity Coverage (HIC) pays you a set amount for every day you are in the hospital, for a covered sickness or injury, so you can rest easier.

The daily benefit levels combined cannot exceed $150. The Employee must be enrolled for coverage in order to enroll your dependent(s). Coverage for his/her dependents cannot exceed your own.

If a child is born to anyone under this policy while family coverage is in force, the child shall automatically become a covered dependent from the moment of birth. However, you must still contact the FBMC Service Center at 1.855.MDC.PS4U (1.855.632.7748) and request a Change in Status form. This includes coverage for sickness or injury, and the necessary care and treatment of medically diagnosed congenital defects, birth abnormalities and premature birth. Routine care for the child is not covered under this policy.

You and your dependents may select different levels of coverage as long as (a) the employee’s amount does not exceed $150 and (b) your dependent’s level of coverage does not exceed the employee’s own.


Doctor” means a duly licensed practitioner of the healing arts acting within the scope of his/her license. Doctor does not include: the Insured or the Insured’s spouse; or the Insured or the Insured spouse’s child, parent, brother, sister; or a person living with the Insured. “Hospital” means an institution which:

  1. is licensed as a hospital pursuant to applicable law
  2. is primarily and continuously engaged in providing medical care and treatment to sick and injured persons on an inpatient basis;
  3. is under the supervision of a staff of doctors
  4. provides 24-hour nursing service by or under the supervision of a graduate registered nurse (R.N.)
  5. has medical, diagnostic and treatment facilities, with major surgical facilities:
    • on its premises, or
    • available to it on a prearranged basis, and
  6. charges for its services.

Hospital does not include:

  1. a clinic or facility or unit of a hospital for 1) convalescent, custodial (primarily for the purpose of meeting personal needs and could be provided by person other than doctors and nurses), educational or nursing care; 2) the aged, drug addicts or alcoholics; 3) rehabilitation; or
  2. a military or veterans hospital contracted for, or operating by a national government or its agency unless: 1) the services are rendered on an emergency basis; and 2) in the absence of insurance, a legal liability exists to pay the charges for the services given.

Effective Date Provision

An insured’s coverage begins on the effective date shown in the issued Certificate of Insurance, subject to receipt of the correct initial premium and provided the person is considered to be actively at work.

Termination Provision

An insured’s coverage will end on the earliest of: if no longer an eligible employee/retiree of the policy holder; if required premium is not paid by the end of the grace period; the date the group policy is terminated; the date coverage is terminated for the class of eligible persons to which the insured belongs.

Benefit Eligibility:

  • All Full-Time employees and Part-time employees are eligible to enroll in the Hospital Indemnity Coverage offered by the School Board.
  • COBRA participants and Part-time Food Service (AFSCME) employees are ineligible to enroll in Hospital Indemnity Coverage.

Tools and Resources

Frequently Asked Questions

Click on the question to view the answer

Who is an eligible dependent for this coverage?

Eligible dependents covered under this plan include:

  • Legal Spouse/Domestic Partner
  • Unmarried children who are under age 25 provided:
    » the child is dependent upon the insured for support
    » the child is living in the insured’s household, or
    » the child is a full-time or part-time student.

NOTE: ‘Child’ includes stepchild, legally adopted child, a child pending nalization of adoption proceedings, natural child, and children of a Domestic Partner (provided the Domestic Partner is also covered). Dependent eligibility will be determined at the time of claim.

When will my benefits begin?
You are eligible for benefits on the first day of a covered hospitalization. Outpatient procedures are not covered.
How long will the benefits continue?
These benefits are payable for each day you are admitted as an inpatient in a covered hospital (see exclusions) for any period from one to 365 days. Successive periods of hospital confinement, due to the same or related causes, not separated by 60 days shall be considered as one period of hospital confinement.
Must I still pay my premiums if I am hospitalized or disabled and unable to work?

If you are confined in a hospital before your 60th birthday, coverage will be continued without further payment of premium beginning on the next premium due date:
a. after you have received benefits for 60 consecutive days during which premiums are paid, and
b. while you remain in the hospital as an inpatient for the same or related injury or sickness and benefits continue to be paid to a maximum of 365 days.

If you become disabled before your 60th birthday, coverage will be continued without further payment of premiums after you have been disabled for nine (9) straight months during which premiums are paid and while you remain disabled and after you have submitted proof that you are disabled. Premiums will continue to be waived as long as you remain hospitalized or disabled provided you are eligible to continue receiving benefits, but no more than 365 days.

Waiver of Premium applies only to you; however, coverage for your covered dependents will also be continued without further payments while premiums are waived.

When are benefits payable?
Benefits are payable for each day of a necessary hospital confinement when the insured is confined in a hospital as an inpatient, for the treatment of a covered sickness or injury, as recommended by a doctor for care that is reasonably and medically necessary.
How do I obtain a claim?
To obtain claim forms, call the FBMC Service Center at 1.855.5MYFBMC (1.855.569.3262), Monday – Friday, 7 a.m. – 7 p.m. ET.
Are benefits taxable?
The IRS may require you to pay taxes on payments you receive from the Hospital Indemnity Coverage plan under current law. For further information, consult your personal tax advisor.
Is there a survivor benefit?
Yes, if benefits are unpaid at the time of your death, one lump sum payment will be made to the first surviving class of the following classes of persons:

  • wife or husband
  • child(ren)
  • mother or father
  • sister or brother

If there is no surviving member as stated above, the benefits will be paid to the Insured’s estate.

What insurance company makes this plan available to me?

This group Hospital Indemnity Insurance Policy is underwritten by Life Insurance Company of North America, Philadelphia, PA
This plan provides HOSPITAL INDEMNITY INSURANCE ONLY. It does not pay for all losses caused by sickness and is not a substitute for comprehensive or major medical coverage. This is a brief description of important features of the plan. It is not a contract. Terms and conditions of coverage are set forth on Policy Form No. 604852 (FL). The group policy (AGL-1060), issued in Florida is subject to the laws of the state in which it is issued. Florida Licensed Agent: Stephen C. Zilberfarb, 2701 N. Rocky Point Drive, Tampa, FL 33607, Lic. # 108462 .


Benefits will not be paid for a loss caused by or resulting from:

  • Intentionally self-inflicted injuries
  • Voluntary self-administration of any drug or chemical substance not prescribed by, or taken according to the directions of a doctor (accidental ingestion of a poisonous substance is not excluded)
  • Driving while intoxicated or driving under the in uence of a controlled substance unless administered on the advice of a doctor
  • Commission or attempt to commit a felony
  • Participation in a riot or insurrection
  • Declared or undeclared war or act of war
  • Active duty service in any armed forces (proof of service will result in a refund of premium; reserve or national guard active duty or training is not excluded unless it extends beyond 31 days)
  • Elective or cosmetic surgery (unrelated to trauma, infection or other disease of the involved part, or congenital disease or anomaly of a covered dependent child, which resulted in a functional defect)
  • Dental surgery, unless the surgery is the result of an accidental injury
  • Confinements in hospitals owned or operated by the national government, unless a charge is made, whether or not there is insurance coverage
  • Injury or sickness covered by Workers’ Compensation or any occupational disease law.
    Also excluded:

    • Outpatient procedures
    • Confinement in a clinic, facility or unit of a hospital that provides convalescent, custodial care, educational care, nursing care, aged care, care for drug addicts or alcoholics or rehabilitation
    • Confinement in a military or veterans hospital, contracted for, or operated by, a national government or its agency unless the services are rendered on an emergency basis and in the absence of insurance, a legal liability exists to pay the charges for services given.

Life Insurance Co. of North America, a Cigna Company®
Customer Service / Claims:
Mon – Fri, 7 a.m. to 8 p.m. ET
1-855-MDC-PS4U (1-855-632-7748)
Fax Claims: 1-850-514-5803

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Miami-Dade County Public Schools

Office of Risk and Benefits Management
1501 N.E. 2nd Avenue, Suite 335
Miami, Florida 33132
Mon - Fri, 8 a.m. to 4:30 p.m. ET

Benefits Inquiry:

FBMC Service Center
Mon - Fri,
7 a.m. to 7 p.m. ET
1-855-MDC-PS4U (1-855-632-7748)

Enrollment Helpline:

7 a.m. to 7 p.m. ET /
Seven days a week