Pre and post-hospitalization expenses like medical tests, medications, consulting fees, and other costs are typically covered by health insurance. This is understandable given that medical expenses do not only include treatment costs and emergency room costs.
Pre-hospitalization refers to an instance in which coverage is provided prior to hospitalization, whereas post-hospitalization refers to an instance in which coverage is provided following the patient’s hospital discharge.
Pre-hospitalization expense: These costs arise when a doctor orders a number of tests to identify the underlying cause of a condition before treating it. These diagnostic procedures may include CT scans, X-rays, MRIs, ultrasounds, and other types of investigative work. In most cases, pre-hospitalization expenses are paid for up to 30 days before being admitted to the hospital.
Post-hospitalization expenses include costs for medication, follow-up care, additional examinations, consultation fees, and other similar costs. The cost of medical care up to 45 to 90 days after discharge is covered and is regarded as a post-hospitalization expense since treatments typically resume after discharge and recovery take time.
Pre and post-hospitalization coverage advantages
–Lessen financial burden: This coverage ensures that the financial fallout from receiving a discharge is well taken care of by the insurance provider, which undoubtedly lessens the financial strain on the wallet.
–Peace of mind: When pre and post-hospitalization expenses are covered by the policy, one is at ease and can concentrate on providing the best care.
–Prepared for emergencies: Health emergencies can happen out of the blue and without warning, so having a policy that includes pre-and post-hospitalization coverage keeps you ready for such circumstances.
–Can preserve savings: helps you keep your savings for the future. Generally, medical treatments have a tendency to deplete your savings if you don’t have a proper health insurance plan.
How to submit a claim for pre-and post-hospitalization expenses?
Within the time frame of the pre-and post-hospitalization coverage provided, the following actions must be taken.
- Verify that the illness for which the insured person was admitted to the hospital is the same one listed on the claim.
- Complete the necessary form, attach the hospital bill, prescription, diagnosis confirmation, discharge summary, etc., and submit it to the insurer and the third-party administrator.
- Submit it between 45 and 90 days after admission to the hospital
- If the insurer determines that the expense is pertinent to the medical condition after reviewing the supporting documentation, he will accept and approve the claim.
