Pick the Right Room Category
Health insurance often comes with a limit
on how much room rent is covered. It might be a fixed amount or limited to a certain type of
room. This is why you should try to pick a room within that range.
Ask the hospital for a rough cost
estimate, including room charges. Then check your policy to see what kind of room rent is
covered. If you go above your limit (like picking a deluxe room instead of a standard one),
the insurance company may not just charge you the extra room rent, they might also reduce
their share of other expenses. And yes, this can add up quickly.
If you have more than one policy, see if
one of them doesn’t have a room rent cap. That could make a difference in how much
you’ll get reimbursed.
Once you've picked the hospital and
the type of room, the next step is handling the claim. This will either go through a
cashless process or a reimbursement process. Here's how both work, in plain
language.