Hospitalization Plans FAQs If you are thinking of purchasing some medical and surgical hospital plan insurance, but still have some questions about how it works, the following information may help guide you:
What is a medical and surgical hospitalization plan?
A medical and surgical hospitalization plan is one that covers specific types of surgeries, procedures, and illnesses that would require hospitalization. So, whether you have regular medical insurance or not, certain types of hospital procedures will be fully or mostly covered by this type of plan. It can be purchased to supplement traditional coverage, in an effort to close any coverage gaps that accrue during a hospital stay, or they can be used as a very basic form of individual medical insurance.
What types of procedures are covered or not covered?
Surgical and medical hospitalization plans will cover any type of short-lived hospital stay, including most or all of the associated charges. This includes room, board, surgery, diagnostics, and some forms of extended-care. Simpler procedures, X-rays, and lab tests that are performed on an out-patient basis, are not covered by this type of insurance. Before purchasing, be sure to look over the insurance agency's list of covered illnesses and ailments.
Who should purchase a medical and surgical hospitalization plan?
Generally, there are two types of people that may be interested in medical and surgical hospitalization insurance. The first is an individual looking for supplemental insurance to work alongside basic, comprehensive medical coverage. This can eliminate any deductibles or work to cover any areas that have been maxed out for the year. Others buy this insurance as a very basic, relatively inexpensive form of medical insurance.