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* Home * Forums New posts Search forums * What's new Featured content New posts New profile posts Latest activity * Members Current visitors New profile posts Search profile posts Log in Register What's new Search SEARCH Everywhere Threads This forum This thread Search titles only By: Search Advanced search… * New posts * Search forums Menu Log in -------------------------------------------------------------------------------- Register -------------------------------------------------------------------------------- Install the app Install How to install the app on iOS Follow along with the video below to see how to install our site as a web app on your home screen. Note: This feature may not be available in some browsers. * Home * Forums * Insurance Discussion Forum * Health Insurance Forum HOSPITAL INDEMNITY INSURANCE * Thread starter Thread starter Debbirise * Start date Start date May 11, 2022 * Replies Replies 0 * Views Views 434 DEBBIRISE ACTIVE MEMBER * May 11, 2022 * * * #1 Most insurance policies use a system known as the inpatient hospital bill payment system. This pays hospitals a fixed dollar amount for each admission and then removes this amount from the bill. This system does not cover drugs administered by doctors and nurses. Some services may not be covered by your insurance plan, though. The same is true for medical equipment that you may use at home. Hospital insurance companies typically agree to pay a certain amount for a specific piece of medical equipment. COSTS OF HOSPITALIZATION: New research suggests the financial costs of hospitalization are far more widespread than previously thought. Researchers analyzed credit-report data alongside hospital records to examine the effect of hospitalization on consumer credit and long-term earnings. They found that hospitalization is often not a factor in bankruptcy, but it still impacts many people financially. To investigate the financial effects of hospitalization, researchers analyzed data on credit scores, borrowing habits, unpaid medical bills, and bankruptcy filings. The Kaiser Family Foundation and Peterson Center on Healthcare reported that the median cost of unvaccinated COVID-19 patients requiring hospitalization was $21,752. The costs were even higher for patients who required mechanical ventilation and were admitted to intensive care units. The cost per day of these two types of hospitalization was $27,742 and $21,672 respectively. In both cases, age was a factor that was related to higher costs. COSTS OF HOSPITAL INDEMNITY INSURANCE: Many employers provide hospital indemnity insurance to their employees. Group plans are typically cheap, but they disappear when an employee changes jobs. Individual plans are portable, so they can follow you from job to job. Hospital indemnity insurance is one option for people who don't have any other medical insurance coverage. Here are some costs to consider when purchasing a hospital indemnity insurance policy. They can make an emergency situation a little bit less stressful. The cost of a hospital indemnity insurance plan can range anywhere from $35 to $200 a month. There are basic plans that cost less, but others are more robust and cover more medical expenses. Most people cannot afford to pay a large medical bill in the event of a hospital stay, but hospital indemnity insurance can give you peace of mind and financial security. Additionally, hospital indemnity insurance can cover the costs of therapy, such as speech, occupational, or physical therapy. BENEFITS OF HOSPITAL INDEMNITY INSURANCE: Buying hospital indemnity insurance can save you a lot of money. Although it doesn't cover prescriptions or medical bills, it can provide peace of mind and reduce out-of-pocket expenses. This type of plan is usually inexpensive and easy to apply for. It is not difficult to pay a small monthly premium, so it's easy to fit it into your budget. And if you have no medical insurance, hospital indemnity insurance may be the way to go. The benefits of hospital indemnity insurance vary by state, but many employers offer group policies. Group plans are often cheap but disappear once an employee changes jobs. Individual plans are portable and can be purchased from a new employer. But remember: there are pre-existing conditions that may preclude you from receiving hospital indemnity insurance. Make sure to check your plan's pre-existing condition and whether or not it's listed on your application. It may also include prescription drug coverage. REQUIREMENTS FOR BUYING HOSPITAL INDEMNITY INSURANCE: What is hospital indemnity insurance? Among other names, it is sometimes referred to as hospital insurance, health benefit indemnity, or indemnity medical plan. It is designed to cover the cost of medical care and any lost income incurred while in the hospital. It can be purchased separately or as part of a group plan with an employer. There are several factors to consider before purchasing hospital indemnity insurance. Buy vitamins and supplements One of the biggest differences between the types of hospital indemnity insurance is the premium. The amount of premium depends on many factors. The insurer's fees will vary, as well as the type of coverage that you choose. In addition to the monthly premium, some plans may even offer daily payouts based on premiums. Before purchasing hospital indemnity insurance, be sure to discuss your situation with a licensed insurance professional. Reply Post reply Insert quotes… THREAD 'HOSPITAL INDEMNITY INSURANCE - IS IT REALLY NECESSARY?' Hospital Indemnity Insurance is a great way to supplement your current health plan by providing financial support when you need it most. These policies pay a predetermined benefit amount regardless of what you or the provider charges. In addition, these plans are flexible and do not impose... View full post » * * By Mikrona * Jan 3, 2022 * * THREAD 'WHO IS HOSPITAL INDEMNITY INSURANCE FOR?' Hospital Indemnity Insurance is for patients who have been injured or have become ill while in the hospital. Hospital Indemnity Insurance helps pay for the cost of unexpected injuries and illnesses that can happen while you're in the hospital. It's important to know that this type of insurance... View full post » * * By Yusra * Dec 24, 2022 * * THREAD 'BENEFITS OF A PRIVATE HEALTH INSURANCE' There are a lot of benefits associated to a private health insurance and one of the edits that stands out are access to health care at all times, after the Covid 19 pandemic a lot of individuals are facing a hard time getting access to the healthcare, there's a lot documentation and queues... View full post » * * By moonchild * Sep 24, 2024 * * * Replies: 1 THREAD 'SETBACKS OF HEALTH INSURANCE YOU SHOULD KNOW' Getting a health insurance is one of the best decision you can make for your health, but apart from the Pros(benefits) what are the Cons(disadvantage) you'll need to contend with when getting a health insurance? That's what we'll discuss in this post. 1) High Premium Cost: A health insurance... View full post » * * By moonchild * Jul 3, 2024 * * * Replies: 1 THREAD 'WHAT DOES HOSPITAL INDEMNITY INSURANCE COVER?' Hospital Indemnity Insurance covers the cost of hospitalization and related expenses incurred by you or your loved ones. Hospitalization is typically covered under a policy's "major medical" component, which means that it will cover the cost of certain medical procedures and treatments provided... View full post » * * By Yusra * Dec 24, 2022 * * SIMILAR THREADS * Question Question The Value of Hospital Indemnity Insurance * Yusra * Dec 24, 2022 * Health Insurance Forum Replies 0 Views 281 Dec 24, 2022 Yusra * Question Question How Does Hospital Indemnity Insurance Work? * Yusra * Dec 24, 2022 * Health Insurance Forum Replies 0 Views 287 Dec 24, 2022 Yusra * Question Question Why should I consider Hospital Indemnity Insurance? * Yusra * Dec 24, 2022 * Health Insurance Forum Replies 0 Views 2K Dec 24, 2022 Yusra * Question Question What does Hospital Indemnity Insurance cover? * Yusra * Dec 24, 2022 * Health Insurance Forum Replies 0 Views 317 Dec 24, 2022 Yusra * Question Question Who is Hospital Indemnity Insurance for? * Yusra * Dec 24, 2022 * Health Insurance Forum Replies 0 Views 279 Dec 24, 2022 Yusra * Question Question Hospital Indemnity Insurance - Is it Really Necessary? * Mikrona * Jan 3, 2022 * Health Insurance Forum Replies 0 Views 596 Jan 3, 2022 Mikrona * Question Question What does Medicare hospital insurance cover overall? * Danlok33 * Mar 20, 2023 * Life insurance Forum Replies 3 Views 7K Apr 15, 2023 saoussen5765 What are the pros and cons of getting public hospital * Learners Quest * Sep 14, 2022 * Personal Finance Replies 0 Views 414 Sep 14, 2022 Learners Quest Share: Facebook X (Twitter) LinkedIn Reddit Pinterest Tumblr WhatsApp Email Share Link * Home * Forums * Insurance Discussion Forum * Health Insurance Forum * Contact us * Terms and rules * Privacy policy * Help * Home * RSS Community platform by XenForo® © 2010-2024 XenForo Ltd. | Add-Ons by xenMade.com Parts of this site powered by XenForo add-ons from DragonByte™ ©2011-2024 DragonByte Technologies (Details) Back Top