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Hospital indemnity insurance
Posted on 8/24/20 at 12:46 pm
Posted on 8/24/20 at 12:46 pm
I have to have jaw surgery in the next 9 to 10 months to correct my bite. The surgery itself involves at least 1 overnight stay in the hospital. I do have medical insurance through work, but I’m trying to avoid any nasty surprises that might come with a hospital stay and any gap in coverage. Is this insurance worth it? What carriers should I be looking at? Ive never had any kind of major surgery, much less stayed the night in a hospital, so I’m a bit nervous. Hoping someone here can educate me and give me a little peace of mind. 
5
Posted on 8/24/20 at 12:56 pm to Blizzard of Chizz
I would assume most hospital indemnity policies would have a pre existing condition limitation.
Posted on 8/24/20 at 1:32 pm to tigerforever7
quote:
I would assume most hospital indemnity policies would have a pre existing condition limitation.
I would think so. I’m not even sure if this would even be considered a pre existing condition at this point. I’m in the process of getting braces, but one of the drawbacks is that it’s that it’s going to create a noticeable overbite. I can forgo surgery and just live with the overbite or have the overbite corrected in 10 months. So I guess I have a little time before it actually becomes a pre existing condition.
Posted on 8/24/20 at 2:54 pm to Blizzard of Chizz
My wife got it through her work since we were expecting a child. $1000 per admission and $200 for each night stay starting on day 2. Daughter became jaundiced so we end up staying extra days. Got $1400 from that stay. Then she was admitted to the hospital again around 4 months for 2 days. Another $1200 there. I think she pays $9 biweekly for it so it’s been well worth the money.
Posted on 8/24/20 at 4:27 pm to Blizzard of Chizz
Insurance is for things that would break you financially.
If you dont have an emergency fund, I think an indemnity policy is a good thing.
However once you are setup and have a financial foundation, I'm not a big fan of accident and sickness policies.
It is like low deductibles for other insurance (auto/home), without savings it is worth the extra premium to help you out in a jam. But once you have savings built up, you are probably throwing money away with low deductibles.
If you dont have an emergency fund, I think an indemnity policy is a good thing.
However once you are setup and have a financial foundation, I'm not a big fan of accident and sickness policies.
It is like low deductibles for other insurance (auto/home), without savings it is worth the extra premium to help you out in a jam. But once you have savings built up, you are probably throwing money away with low deductibles.
Posted on 8/24/20 at 7:22 pm to Blizzard of Chizz
You probably will be denied since you’ve been told you need surgery already, which basically means it will be treated like a pre-existing condition.
Posted on 8/24/20 at 9:10 pm to GAFF
The pre-existing condition limits usually phase out after a period of time - my wife and I had a policy through Voya that paid out quick and easy for a very much pre-existing pregnancy at the time of enrollment and effectiveness of the policy. Read the fine print of whatever you're buying.
Posted on 8/25/20 at 12:08 pm to sneakytiger
Thanks for the info so far. I just want to be as prepared as possible. Like I mentioned earlier, I’ve never had any type of major surgery or spent the night in a hospital. I’ve spent the better part of two years completely paying off my debts minus student loans and building a decent little savings. I’m trying to avoid ending up right back where I was a couple years ago.
Posted on 8/25/20 at 3:11 pm to Blizzard of Chizz
Aflac
Colonial
State Farm
All will have a question about pre-existing conditions. Will pay somewhere around $150-250 for surgery and about the same for any overnight hospital stay.
Colonial
State Farm
All will have a question about pre-existing conditions. Will pay somewhere around $150-250 for surgery and about the same for any overnight hospital stay.
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