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Medical Bridge 3000 - Hospital Confinement Indemnity Insurance

The following information highlights the benefits of the current Medical Bridge policy available through your benefits package. If you enrolled in a Medical Bridge Plan prior to this year, you may have different benefits and features than those shown here. You should refer to your personal policy for your exact benefits and features. Your Benefits Representative can provide you with further information on which plan you have, and assist with any questions. Please meet with your Benefits Representative during your open enrollment period for any assistance.


How will you cover all of your medical expenses?


As major medical plans move toward larger deductibles and higher co-payments, you may be left with more gaps to fill.

Colonial Life's Hospital Confinement Indemnity Insurance plan can help you fill those gaps and help protect against those out-of-pocket expenses that occur when it comes to you or your family members' healthcare.

Benefits of this plan include:

Wellness Benefit pays $50 for one of the wellness tests listed below. Pays one test per calendar year for employee-only coverage; or two tests per calendar year combined for family coverage. This benefit helps reimburse you for part of the expense of tests you may normally have each year.

Blood test for triglycerides Colonoscopy or Virtual Colonoscopy PSA (blood test for prostate cancer)
Breast ultrasound Fasting blood glucose Serum protein electrophoresis
CA 15-3 (blood test for breast cancer) Flexible sigmoidoscopy (blood test for myeloma)
CA 125 (blood test for ovarian cancer) Hemoccult stool analysis Serum cholesterol test for HDL and LDL
CEA (blood test for colon cancer) Mammography Stress test on a bicycle or treadmill
Chest x-ray Pap smear or Thin Prep Pap Thermography


The following benefits are payable due to a covered accident or covered sickness:

  • Outpatient Surgical Procedure Benefit pays a lump-sum benefit when a covered person requires a surgical procedure and is not confined to a hospital at the time of the surgery. The procedure must be performed in a hospital or an ambulatory surgical center. Refer to the outline of coverage for the calendar year maximum and the list of covered procedures.

  • Hospital Confinement Benefit pays a lump-sum benefit if any covered person is confined. This benefit can help you pay for the deductibles associated with a hospital confinement.

  • Rehabilitation Unit Benefit pays $100 per day up to 15 days per confinement with no more than 30 days per calendar year if any covered person is transferred to a rehabilitation unit immediately after a period of hospital confinement.

  • Waiver of Premium Benefit waives the premium for the policy and any attached riders once the named insured has been confined to a hospital for 30 continuous days. The premium is then waived as long as the confinement in a hospital or rehabilitation unit continues.

Wouldn't you feel better knowing that you or your family have the added protection that Colonial Life can provide to help fill those unexpected gaps?

With This Plan:
  • Benefits are paid directly to you, unless you specify otherwise.
  • Your benefits are paid regardless of any other coverage you may have with other insurance companies.
  • There is no lifetime maximum to any of the benefits under this policy.
  • If you change jobs or leave your employer, you can take your coverage with you at no increase in premium.
The Colonial Advantage
  • A leader in the supplemental insurance industry.
  • Communications and benefits education to help you understand the benefits you haveŅand the benefits you may need.
  • Prompt, accurate and courteous customer service
  • Broad selection of products to help meet your individual needs, with premiums paid through convenient payroll deduction.

This coverage has exclusions and limitations that may affect benefits payable. Coverage type and benefits vary by state and may not be available in all states. See the outline of coverage (PDF) within for complete details.

Applicable to policy form MB3000. This website is not complete without the corresponding outline of coverage form MB3000-0, including state variations where applicable, for example, MB3000-0-TX.

Medical Bridge 3000 – Plan 2 Benefit Amount Options & Monthly Premiums
CA    Hospital Confinement $500   Outpatient Surgery Tier 1 $750   Outpatient Surgery Tier 2 $1,500
Age Employee EE & Spouse EE & Dependent Children EE, Spouse & Dependent Children
17-49 15.60 33.40 26.45 40.45
50-59 21.55 45.90 32.00 52.10
60-64 28.15 61.05 39.20 66.30
65-74 37.05 80.40 51.60 87.20
CC   Hospital Confinement $1,500   Outpatient Surgery Tier 1 $750   Outpatient Surgery Tier 2 $1,500
Age Employee EE & Spouse EE & Dependent Children EE, Spouse & Dependent Children
17-49 26.40 56.70 45.05 68.65
50-59 36.55 78.10 54.40 88.60
60-64 47.65 103.85 66.80 112.60
65-74 62.75 136.60 87.80 148.10


Please meet with your Colonial Representative to discuss these options.
COLONIAL LIFE 1200 Colonial Life Boulevard, P.O. Box 1365 Columbia, South Carolina 29202 (800) 325-4368 A Stock Company