When you or a family member needs hospitalization, having the right coverage protects you from devastating medical bills while ensuring quality care. Our plans provide comprehensive hospital benefits so you can focus on recovery, not finances.
The average hospital stay in the United States costs over $2,500 per day, with complex procedures running into tens or even hundreds of thousands of dollars. Without adequate insurance coverage, a single hospitalization can lead to medical debt that takes years to pay off, or worse, forces families into bankruptcy.
Hospital coverage is the cornerstone of any comprehensive health insurance plan. It ensures that when the unexpected happens—whether it's an emergency surgery, a serious illness, or a planned procedure—you have the financial protection you need to receive quality care without sacrificing your family's financial security.
Our hospital coverage options are designed to provide peace of mind, knowing that if you or a loved one requires hospitalization, the focus can remain on healing rather than worrying about how to pay the bills.
Room and board coverage for overnight hospital stays, including semi-private and private room options based on your plan level.
Full coverage for operating room costs, surgeon fees, anesthesia, surgical assistants, and post-operative recovery care.
Critical care coverage when medically necessary, including specialized monitoring, life support equipment, and ICU nursing care.
All medications, IV fluids, medical equipment, surgical supplies, and other materials used during your hospital stay.
Round-the-clock professional nursing care, patient monitoring, wound care, and medication administration throughout your stay.
Lab work, blood tests, imaging studies, X-rays, CT scans, MRIs, and other diagnostic tests performed during hospitalization.
When you're admitted through the emergency room for conditions requiring immediate hospitalization, including accidents, heart attacks, strokes, and severe infections.
Scheduled surgical procedures such as joint replacements, heart surgery, cancer treatment, organ transplants, and other elective but necessary operations.
Hospital stays for labor, delivery, and postpartum care, including both vaginal deliveries and cesarean sections, plus newborn care.
Psychiatric hospitalization for mental health crises, severe depression, substance abuse treatment, and other behavioral health conditions requiring inpatient care.
Different health insurance plans offer varying levels of hospital coverage. Understanding these key factors will help you choose the right plan for your needs:
The amount you pay out-of-pocket before your insurance begins covering hospital costs. Plans with higher deductibles typically have lower monthly premiums, while lower deductible plans cost more monthly but provide earlier coverage.
After meeting your deductible, you may be responsible for a percentage of hospital costs (typically 10-30%), while your insurance covers the rest. This continues until you reach your out-of-pocket maximum.
The most you'll pay for covered services in a plan year. Once you reach this amount, your insurance covers 100% of remaining costs. This protects you from catastrophic expenses during extended hospitalizations.
Using in-network hospitals significantly reduces your costs. Our plans include major hospital systems and community hospitals across the country, ensuring you have access to quality care wherever you are.
For planned (non-emergency) hospital admissions and surgeries, most plans require pre-authorization. Emergency admissions typically don't require prior approval, but you should notify your insurance company within 24-48 hours when possible.
In true emergencies, you're covered at in-network rates even at out-of-network facilities. For planned procedures, using out-of-network hospitals will result in higher out-of-pocket costs, so we recommend choosing in-network facilities whenever possible.
Most medically necessary services are covered, including room and board, surgery, nursing care, medications, and diagnostic tests. Some services like private rooms (when not medically necessary), TV, or phone may not be covered.
There's no arbitrary limit on hospital stays. Coverage continues as long as the hospitalization is deemed medically necessary by your treating physician. Your insurance company may review extended stays to ensure continued medical necessity.
Many plans cover inpatient rehabilitation following hospitalization, such as after a stroke, major surgery, or serious injury. This may be at the same hospital or a specialized rehabilitation facility.
Don't wait until you need hospital care to get covered. The best time to get insurance is before you need it. Speak with a licensed agent now to find the right hospital coverage for your family.