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About Hospital Health Insurance
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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.

Health Insurance Articles
Individual Health Insurance
Important information about what to look for in a health insurance plan. "Individual health care insurance provides coverage for only one individual, or family...
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What is Medicare?
Learn about the federal program called medicare which takes on the responsibility of health care for retired individuals.
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Group Health Insurance
Find out about group health insurance plans, MPP's and major medical coverage.
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What is Medicaid?
Answers to questions concerning medicaid can be found here.
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Managed Care Insurance
Learn about the different managed care insurance options including HMO, PPO, and POS plans.
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Indemnity Insurance
Learn about indemnity insurance and the different types of reimbursement.
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Hospital Insurance
Find out why hospital insurance may be needed in addition to your current health insurance policy.
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Disability Insurance
Find out about long and short term disability insurance plans.
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What is COBRA?
What happens to your health insurance in case you become unemployed? Find out how COBRA can help.
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Long Term Care Insurance
Learn about the types of services involved in a policy.
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