Inmate Medical Insurance

The Solution to Rising Health Care Expenses

As agencies continue navigating the challenges of providing health care for an increasingly sick population, the need for cost-containment measures and insurance is at an all-time high. Financial resilience and preparation begins with Catastrophic Inmate Medical Insurance (CIMI). This coverage provides agencies a "safety net" by reimbursing the unexpected and costly off-site medical expenses incurred by inmates and those who are in custody. There are no pre-existing condition exclusions and most “prior to booking” claims, such as gunshot wounds, auto accident injuries, overdoses, chronic conditions, and sexually transmitted diseases are covered. 

Catastrophic Inmate Medical Insurance

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Reimbursed to sheriffs, counties, and local municipalities since 1996

Over $25 Million  

Sheriff, Florida County
Coverage Benefits
  • Standard "prior to booking" claims covered including:

    • Gunshot wounds​

    • Auto accident injuries

  • No pre-existing condition exclusions

  • No minimum number of inmates required*

  • Deductible as low as $1,000 per inmate*

  • Coverage maximum of $250,000 per inmate

  • $1,000,000 policy aggregate

  • Coverage based on 12-month policy period

*Eligibility requirements vary by state​

Eligible Expenses
  • Inpatient Hospital Services

  • Outpatient Hospital Services

  • Physician Services

  • Outpatient Diagnostic X-ray and Labs

  • Emergency Room

  • Prescription Drugs (inpatient only)

  • Ambulance Services

  • Medical Services and Supplies

Optional Coverage
  • Security & Guarding Reimbursement

  • Dental Services

Jail Administrator, Sheriff's Office, NC

Question: How much does it cost ?
A: The cost is based on many factors, including, but not limited to, your inmate population, deductible, claims history and negotiated discounts with local medical providers. Clients factor the cost of the insurance policy and the expected claim reimbursement into their budget, thus avoiding having to “drain” funds from other high priority areas such as personnel, equipment, and training.

Question: Do I have to meet the deductible again if an inmate is released and re-arrested?
A: No, medical expenses accumulate towards the deductible, which is satisfied once per policy period, regardless of how many times an inmate is released and re-arrested.

Question: Is Covid-19 coverage included?
A: Yes, treatment for Covid-19 is a covered expense.

Tamara Armstrong
Senior Vice President 
Director of Employee Benefits
Phone: 850-556-3069

Dan Lancaster

Account Executive

Sales, Marketing, Policy Management

Phone: 850-545-3855

Frequently Asked Questions

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