American Federation of Musicians
Hospital Income Insurance Plan
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Policy Highlights
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At a Glance
Hospital stays can be expensive. An additional daily benefit can help defray that expense, especially if your basic medical plan has a high deductible.

The benefits from the Hospital Income Insurance Plan are paid directly to you to use any way you decide, or you may assign them to anyone you choose. With these benefits, out-of-pocket hospital expenses don't all have to be paid out of your own pocket.

Benefit Features:
  • Select amount of daily benefit
  • Benefit paid directly to you or anyone you assign
  • Family coverage available

This policy provides limited benefits health insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.


This limited health benefit plan (1) does not constitute major medical coverage, and (2) does not satisfy the individual mandate of the Affordable Care Act (ACA) because the coverage does not meet the requirements of minimum essential coverage.
Want More Information?
Visit the Forms & Links section and download a no-obligation enrollment form and brochure containing detailed plan information including costs, exclusions, limitations and terms of coverage.
Where available
This plan may not be available in all states. 
All members of the sponsoring association and their spouses/domestic partners who are not already insured in the program are eligible to enroll with guaranteed acceptance1-regardless of age. Unmarried dependent children under 21 years of age (23 if a full-time student) are eligible for 50% of the member's benefit. Members age 65 and over are eligible for any of the $50 Per Day Plans. All Hospital income benefits when combined cannot exceed $250 per day per insured.

1This policy is guaranteed acceptance, but it does contain a Pre-Existing Conditions Limitation. Please refer to the website for more information on exclusions and limitations, such as pre-existing conditions.  
Type of Insurance 
Hospital Income Plan 
Designed For 
Association members and dependents 
Underwritten By 
Hartford Life Insurance Company

The Hartford® is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing company Hartford Life Insurance Company 
Policy Form Number 
Hospital Indemnity Form Series includes SRP-1151, or state equivalent 
Group Policy Number 
Important Notes:

This website explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued. In the event of a discrepancy between this website and the policy, the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policies underwritten by Hartford Life Insurance Company detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in full or discontinued. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy issued to the policyholder. This program may vary and may not be available to residents of all states.  
Forms & Links
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Program Administrator
Title: Mercer Consumer
Address: 12421 Meredith Drive
Urbandale, IA
Hours: 7 am to 5 pm M-F (Central)
Insurance Company
Title: Hartford Life Insurance Company
Address: One Hartford Plaza
Hartford, CT
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