Everyone seems to be doing belt-tightening measures these days, and private health insurers are no exception. Many have begun to enforce stricter guidelines that outline coverages for hospital admissions.
The number of patients treated at hospitals that are classified as “observation” patients is increasing as Medicare and private insurers establish stricter criteria for hospital admissions each year in an effort to ensure that “only the sickest people are treated in costly, resource-intensive medical centers. As a result, some Medicare patients are surprised by charges that are not covered because they were not classified as inpatients and therefore did not qualify for coverage.
Read the full article.
With that in mind, best try to check whether an admission to a hospital is covered by your health insurance before checking in. Better yet try to read the fine print of you contract and understand your policy so that you are better informed of the details. You should also call your insurance company, agent, or provider to clarify any questions or issues that may arise. You shouldn’t even wait for when you have to go to the hospital or receive medical treatment – study your policy now and contact your insurance provider of any changes or rules they may have that affect your policy.
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