Headline covers it. My wife will most likely need a 4 week hospital stay and we don’t have hospital indemnity issuance. If we signed up for a plan now would it help with this surgery or is it considered uncoverable.
4 Likes
Any coverage outside of an ACA compliant plan would consider it pre-existing and wouldn’t cover it.
4 Likes
Thought so. Thank you
3 Likes
Indemnity insurance may have a waiting period before the insurance company starts paying for covered hospitalizations, procedures, or treatments. This means there might be no coverage for a certain number of days after you buy the policy.
2 Likes
Does your health insurance cover the full cost of medical expenses?
Are you looking for insurance that pays $100 per day when someone is in the hospital?
I’m almost certain you can’t get insurance that would cover you immediately or within a few weeks for what seems like an elective procedure. Insurance doesn’t work that way. Everyone would sign up for insurance only when they knew they needed it.
1 Like
Our health insurance has a $5,000 deductible and a $10,000 out-of-pocket maximum. This surgery will likely make us reach the maximum. We’ll also need to travel for the surgery and probably live in another state for a month.
1 Like
The $10,000 out-of-pocket max means that the maximum you would have to pay is $10,000. After that, the insurance covers everything.