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Indemnity plans are a great way to keep your out of pocket hospital costs to a minimum. These plans generally come with a very low, affordable premium. The plans will usually help you cover up to a certain number of days per year of hospital costs. When you have a hospital stay, you can then submit a claim up the number of days you are admitted. You will usually receive a check directly in your bank account to help you pay any costs your insurance doesn't cover (ie. inpatient stay copays). Some plans even include add on's such as ambulance or ER copays. These plans are worth looking into if you're concerned about expensive hospital costs.