By David S. Edge

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Hospital Co-Pay! Ouch!!!

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Bernice was very happy with her Medicare Advantage Plan. All her doctors were in her network and she got to see her primary doctor with no co-pay anytime she needed too.

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Then she got some not-so-good news. Her primary care physician saw something unusual on one of her labs and referred her to a specialist in her network to get a more specific checkup on a potential ailment. The specialist wasted no time and scheduled additional labs and diagnostics and within a few days, they met again.

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“You’re going to need surgery” he explained after reviewing the results of all her testing. Bernice was now not only concerned about the upcoming surgery, but the more expensive co-pays associated with a hospital stay.

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She made sure that not only was the hospital where she needed to go in her Medicare Advantage network but also that the surgeon and anesthesiologist were. Satisfied, she pulled out her Summary of Benefits booklet on her plan and started to pencil out what this entire operation and hospital stay was going to cost. After doing the math, her plan had a $250 per day hospital co-pay, and it was all inclusive, so there would not be any additional co-pay.

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But she was told she would be in the hospital for at least five days. Wow, she thought … five days at $250 a day, that’s a total of $1,250.00. Yet, that’s better than the $25,000.00 she would have to pay if she didn’t have an Advantage plan.

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But wait! She remembered something her advisor had reviewed with her at the time she signed up for her plan and that she had purchased an additional coverage plan that paid hospital co-pays for her. This extra coverage was only costing her $25.00 a month! She pulled out the coverage policy and it would pay her hospital co-pay 100%! Great!My surgery will cost me nothing! She was so glad she had bought the extra coverage and thankful that her Advisor had reviewed it with her at the time she made the decision to sign up for her Advantage plan.

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She could now rest easy on any financial worries and concentrate on getting healthy from the planned hospital visit!
Do you have a Medicare Advantage Plan and do you want your hospital co-pay covered? Ask us, we can help! 602-281-3898.

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“She remembered something her advisor had reviewed with her at the time she signed up for her plan and that she had purchased an additional coverage plan that paid hospital co-pays for her.”