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Hospital indemnity plans, also known as hospitalization insurance, are supplemental insurance plans that pay you or your provider a cash benefit when you need to stay in the hospital. This can help you manage the financial impact of a hospital stay, even if your medical insurance covers most of the cost. 

Here are some things to know about hospital indemnity plans: 

• How they work Hospital indemnity plans pay you a predetermined lump sum of money directly, which you can use however you want. The payment is not based on your hospital charges or other insurance coverage. 
• What they cover Depending on the plan, hospital indemnity plans may cover hospital stays, outpatient surgery, ambulance services, and emergency room visits. 
• How they compare to other insurance Hospital indemnity plans supplement your existing health insurance coverage. 
• Enrollment Many hospital indemnity plans don't require you to answer health questions when you enroll. Some plans also allow you to enroll dependents. 

Dental plans are contracts with insurance companies that help pay for dental care. They work similarly to health insurance plans, and typically include:

• Premiums: A monthly, semiannual, or annual payment for the plan 
• Deductibles: The amount paid before insurance covers services 
• Coinsurance: The percentage or fixed amount paid after the deductible is met 
• Annual maximum: The limit on how much insurance will pay in a year 
• Waiting periods: Some services may have a waiting period before coverage begins 

Dental plans can vary, but most cover preventive care like cleanings, exams, and X-rays. Some plans also cover basic services like fillings and extractions, and major services like root canals and crowns.

A vision plan, also known as vision insurance, is a health benefit that helps cover the cost of eye care, such as glasses, eye exams, and contact lenses. Vision plans are often separate from health insurance plans, but some health plans may include vision coverage.

Here are some things to know about vision plans: 

• CoverageVision plans typically cover one or the other, either glasses or contact lenses, but some plans may cover both. 
• PremiumsVision plans usually require a monthly or annual premium to be paid to an insurance provider. 
• Family plansMany vision insurance plans offer family plans to cover dependents. 
• Additional benefitsSome plans may offer additional benefits, such as discounts on contacts or Lasik vision correction.