16 The benefits and rates in this guide are for illustrative purposes only. Please see Summary of Benefits for specific plan details. VOLUNTARY BENEFITS Even with medical insurance, you could still be subject to out-of-pocket expenses like those from an unexpected hospitalization. Hospital indemnity insurance can help protect you from expenses due to a hospital stay including deductibles and other copays. HOSPITAL INDEMNITY RATES PER PAY PERIOD Employee: $10.84 Employee + Spouse: $22.79 Employee + Children: $17.88 Family: $29.85