Just a warning for those making the switch to individual health insurance and looking at different policies online (like the eHealth website). I found this contract language in a hospital/surgical plan today (read: not a full major medical policy) and if I were a policyholder, this would concern me. If you are buying individual health insurance, make sure to read your contract cover to cover.
Also note the statement above - this is a hospital/surgical plan. Reading the benefits summary makes it seem like prescriptions are covered, outpatient is covered, etc, when in reality prescriptions are only covered when you are in the hospital or if related to a surgery, and outpatient services are not covered period unless related to a surgery. Need a CT scan because you bumped your head? Well, that's not a surgery. Need chemo treatment or cancer drugs? Well, that's not surgery and it's not inpatient.
So reading the following language, is it covered, or isn't it?
Also note the statement above - this is a hospital/surgical plan. Reading the benefits summary makes it seem like prescriptions are covered, outpatient is covered, etc, when in reality prescriptions are only covered when you are in the hospital or if related to a surgery, and outpatient services are not covered period unless related to a surgery. Need a CT scan because you bumped your head? Well, that's not a surgery. Need chemo treatment or cancer drugs? Well, that's not surgery and it's not inpatient.
So reading the following language, is it covered, or isn't it?
Hospital Services
Inpatient:
The following may be Covered Services when rendered in an Inpatient Hospital setting:
1. room and board in a semi-private room when confined as an Inpatient, unless the patient must be isolated from others for documented clinical reasons;
2. intensive care units, including cardiac, progressive and neonatal care;
3. use of operating and recovery rooms;
4. use of emergency rooms;
5. respiratory, pulmonary, or inhalation therapy (e.g., oxygen);
6. drugs and medicines administered by the Hospital (except for take-home drugs);
7. intravenous solutions;
8. administration and cost of whole blood or blood products (except as outlined in the Drugs exclusion of the "What Is Excluded?" section);
9. dressings, including ordinary casts;
10. anesthetics and their administration;
11. transfusion supplies and equipment;
12. diagnostic Services, including radiology, ultrasound, laboratory, pathology and approved machine testing (e.g., EKG);
13. chemotherapy and radiation treatment for proven malignant disease;
14. Physical, Speech, Occupational, Cardiac Therapies; and
15. transplants as described in the Transplant Services category in this section.
Exclusion:
Expenses for any Services rendered in an Inpatient Hospital setting are excluded when such Services could have been provided without admitting you to the Hospital.
In addition, expenses for the following and similar items are also excluded:
1. gowns and slippers;
2. shampoo, toothpaste, body lotions and hygiene packets;
3. take-home drugs;
4. telephone and television;
5. guest meals or gourmet menus; and
6. admission kits.