Individual Health Insurance
What to look for in a health insurance plan.
Group Health Insurance
Find out about group health insurance plans.
Managed Care Insurance
Learn about the different managed care insurance options.
Find out why hospital insurance may be needed.
What is COBRA?
Find out how COBRA can help.
What is Medicare?
Learn about the federal program called medicare.
What is Medicaid?
Answers to questions concerning medicaid.
Learn about indemnity insurance.
Find out about disability insurance plans.
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Learn about a long term care insurance policy.
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About Hospital Health Insurance
Hospital expense coverage provides specific benefits for daily hospital room and board and usual hospital services and supplies during hospital stays.
Hospital/medical coverage may be extended in one of three ways:
-- A policy usually sold in combination with a physicians or surgical expense policy that provides benefits for both surgical operations and doctors in-hospital visits
--A major medical policy that provides broad and substantial coverage for many types of medical expenses
--A combination of hospital-physician-surgical coverage plus a supplemental major medical policy.
Room and board benefits are usually stated in one of two ways.
--Indemnity plans reimburse for the actual room-and-board charge up to a specified maximum dollar amount per day for hospital confinement.
--A service-type benefit that pays the full cost of a semi-private room-and-board charge.
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