Budget Protection for Correctional Facilities
Catastrophic Inmate Medical Insurance is an insurance policy that reimburses a government entity for the eligible medical expenses associated with arrestees, pre-trial detainees, and inmates who require medical treatment outside the walls of a detention facility. It helps sheriffs, counties, and local municipalities financially prepare for the uncertainties of funding medical care for an increasingly sick indigent population.
This unique policy will reimburse the costly hospitalizations that were not factored into your annual medical budget, such as brain surgery, hip replacement, outpatient dialysis treatment, and more.
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
Coverage Highlights
- Minimum Inmate Count: 2*
- 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
Included Benefits
- No pre-existing condition exclusions
- Pregnancy (inmate only)
- HIV/AIDS
- Mental Health & Substance Abuse Inpatient Benefit*
Optional Benefits
- Prior-to-Booking / In-pursuit
- Security & Guarding Reimbursement
- Dental Services
Call Us At (850) 385-3636
Frequently Asked Questions
Rates are calculated on a per inmate per month basis and vary based on your average monthly inmate population, claims history, negotiated discounts with local medical providers, deductibles, and desired coverage.
This coverage is intended for catastrophic medical expenses that exceed the county’s annual inmate medical budget; however, all eligible medical expenses count towards the specific per inmate deductible.
Even at Medicaid or Medicare rates, a lengthy hospitalization – let alone two or three in the same fiscal year – can drain years of surplus and result in a budget deficit.
Each inmate has a specific deductible that must be met once per policy period. All eligible medical expenses accumulate toward the per-inmate deductible regardless of how often an inmate is taken to the ER, admitted to the hospital, or released on their own recognizance and taken back into custody.
The policy will reimburse you. Once paid expenses exceed the per inmate deductible, a claim can be submitted electronically and reviewed for reimbursement. Eligible claims are typically reimbursed within 30 days unless additional information is required. Funds can be provided electronically (ACH) or by check.
Releasing an inmate on their own recognizance may not be possible, depending on the nature of the charges and if the individual poses a serious risk to public safety. In addition, you could be entangled in costly litigation if it appears the inmate was released primarily to avoid paying their medical bills.
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