Hospital Insurance plans

Offering a lifesaving value, hospital insurance assists individuals and families with the cost of a hospital stay. If you do not have hospital insurance and your existing health insurance does not cover the cost of a stay in the hospital, you can expect to pay for all of the fees in full at the time of your release.

Why Should You Obtain Hospital Insurance?

Several good reasons exist for you to think about getting hospital insurance for yourself and for your family. They include:

  • Assistance in paying hospital bills
  • Protection against unexpected expenses that infringe on your ability to pay for daily needs
  • Peace of mind knowing that you can afford to go to the hospital if the need arises

What Kind of Benefits Can You Get with Hospital Insurance?

Even if you have additional health care insurance, your hospital insurance provides cash to pay for a visit to the emergency room as well as money to assist in paying for hospital confinement for one or more days. It can also assist in paying toward the cost of outpatient surgery.

When you get this type of insurance product, you gain easy access to the money you need to cover the costs that are associated with a stay in the hospital or emergency room visit. These are the costs that typical health care insurance does not provide reimbursement for at any time. Hospital insurance gives you the money you need in a lump-sum payment that can be used in any way you see fit. For example, you can use the payout to cover the cost of health care co-payments and deductibles, transportation costs, or childcare.

What Do Hospital Charges Include?

The typical hospital stay can lead to daily charges for the basics, including meals, room, and nursing care. A hospital bill also includes all of the fees associated with the procedures you have and the medications that you take. These charges include laboratory services, x-rays, operating room, anesthesia, pharmacy charges, rehabilitation services, recovery room, and emergency room fees.

Of course, you have to realize that you are billed separately for all of your physician fees. When applicable, you will also receive a bill for phone and television charges.

If you would like to find out more about hospital insurance, please contact us today. You can also complete our easy-to-fill online application to discover which plans we believe best fit your needs.