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Hospital Insurance

An insurance plan to help with the high costs of hospitalization

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Get a Free Hospital Insurance Quote in Minutes!

An insurance plan to help with the high costs of hospitalization

What Does Hospital Insurance Cover?

Hospitalization insurance plans generally provide benefits for medical services associated with being hospitalized due to an injury or illness.

You may also be able to obtain additional coverage for outpatient services like preventive care, urgent care, outpatient services, and diagnostics like X-rays and lab tests or for certain critical illnesses.

What Hospital Insurance Typically Covers

  • Hospital room and board
  • Inpatient physician’s visits
  • Inpatient prescription medications
  • Inpatient surgery
  • Outpatient surgery
  • Ambulance services

What Hospital Insurance Typically Does Not Cover

  • Pre-existing conditions, including pregnancy
  • Preventive care such as routine physicals
  • Any non-medically necessary surgical procedures
  • Outpatient prescription medications

Pros and Cons of Hospital Insurance

  • May be guaranteed renewable – If it is guaranteed renewable that means you won’t be singled out for a rate increase or cancellation based solely on changes to your health.
  • Use benefits however you want – with no benefit coordination, payments may be made directly to you.
  • Apply year-round – There is no official open enrollment period, and you can apply anytime.
  • Flexible Coverage – Choose from various health benefit levels.
  • Keep your doctor – Some policies do not have provider network limitations for fixed indemnity plans, which means you can visit your preferred healthcare provider.
  • $0 deductible plan options may be available.

Find Answers to Hospital Insurance Questions

What is hospital indemnity insurance? open What is hospital indemnity insurance?
Are hospital plans ACA-compliant? open Are hospital plans ACA-compliant?
How much does hospital insurance cost? open How much does hospital insurance cost?
What does hospital insurance cover? open What does hospital insurance cover?
Will hospital indemnity insurance benefits be paid only to certain network providers? open Will hospital indemnity insurance benefits be paid only to certain network providers?
How does hospital indemnity insurance work? open How does hospital indemnity insurance work?
Will my hospital insurance benefits be paid to me? open Will my hospital insurance benefits be paid to me?
Am I limited in how I can use my hospital indemnity insurance payments? open Am I limited in how I can use my hospital indemnity insurance payments?
Is there an annual or lifetime maximum limit to the hospital insurance policy? open Is there an annual or lifetime maximum limit to the hospital insurance policy?
When can you get a hospital plan? open When can you get a hospital plan?

Hospital Insurance Resources

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Speak to a licensed health insurance agent during business hours for help understanding your options and enrolling in coverage.