Catastrophic
Inmate Medical Insurance
Catastrophic Inmate Medical Insurance
Over $25 Million Reimbursed to sheriffs, counties, and local municipalities since 1996
A Valuable Resource for Taxpayers
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. Catastrophic Inmate Medical Insurance is a unique product with a structured reimbursement model for which eligible medical expenses incurred outside the walls of the jail can be reimbursed. Coverage is written according to the needs of the purchasing agency. For instance, you can purchase coverage for prior-to-booking/in-pursuit as a stand-alone policy or add it as additional coverage. Coverage is available in all 50 states, though specific coverage and eligibility requirements vary by state.
gunshot wound
$250,000.00
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Standard "prior to booking" claims covered​
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No pre-existing condition exclusions
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Minimum Inmate Count: 2*
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Deductible as low as $1k per inmate*
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Coverage maximum of $250k per inmate
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A policy aggregate of $1 Million
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Inpatient Hospital Services
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Outpatient Hospital Services
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Physician Services
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Outpatient Diagnostic X-ray & Labs
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Emergency Room
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Prescription Drugs (inpatient only)
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Ambulance Services
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Medical Services and Supplies
Coverage Benefits
Eligible Expenses
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Inpatient Hospital Services
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Outpatient Hospital Services
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Physician Services
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Outpatient Diagnostic X-ray and Labs
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Emergency Room
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Prescription Drugs (inpatient only)
-
Ambulance Services
-
Medical Services and Supplies
-
Standard "prior to booking" claims covered​
-
No pre-existing condition exclusions
-
Minimum Inmate Count: 2*
-
Deductible as low as $1,000 per inmate*
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Coverage maximum of $250,000 per inmate
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$1,000,000 policy aggregate
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Coverage based on 12-month policy period
*Eligibility requirements vary by state​
Optional Coverage
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Security & Guarding Reimbursement
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Dental Services
Video above shows a zoom action into an inmate's cell.
Claims Reimbursement
Eligible expenses are reimbursed at a pre-determined percentage (usually the lesser of the amount paid or a percentage of billed, Medicaid, or Medicare). The paid medical expenses accumulate towards the per inmate deductible, which must be satisfied once per policy period.
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Once paid expenses exceed the deductible, a claim can be submitted to us electronically and reviewed for reimbursement. The agency must complete the Proof of Loss claim form and submit it along with an itemized list of expenses, copies of medical bills (Health Care Finance Administration (HCFA) and UB-04 form), and proof of payment.
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Eligible claims are typically reimbursed within 30 days unless additional information is required. Funds can be provided electronically (ACH) or by check. Eligible claims incurred during the CIMI policy period must be reported, paid, and submitted to us no later than six months after the policy expiration date.
Client Testimonials
“One heart attack can cost $50k-$80k in hospital expenses, so I saw the need to protect the County from a catastrophic event or illness.”
- Sheriff, FL County
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"Insurance agents call this inmate medical insurance; I call it budget protection for our taxpayers.
- Risk Manager, FL County
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"Having this insurance is an example of good stewardship of county resources, and it allows us to budget more accurately."
- Jail Administrator, NC County
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Q: 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.
Frequently Asked uestions
Ready for a Quote?
Q: 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.
Q: Is Covid-19 coverage included?
A: Yes, treatment for Covid-19 is a covered expense.
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