Plan Exclusion reads "Hospital confinement that begins on a Friday or Saturday?!?" and other Q’s
I’m looking into getting an indemnity plan for one month. We recently moved to Hawaii and got abruptly dropped from our plan. I applied for coverage from the Health Marketplace, but the earliest the policy can go into effect is May 1st. I’m nervous being without any coverage until then, but there is no short term health insurance in Hawaii.
The closest I could find was an indemnity plan. Found one from United Healthcare that covers spouse and I for $450 that seems to have okay benefits. One weird exclusion that I found – No coverage for Hospital confinement that begins on a Friday or Saturday. So my question is, ummm, what?
But also another question: Is indemnity my only option here and will it help us from going completely broke should something unfortunate happen?
Oh, and those prescription discount cards (we have a few recurring things) – are they all the same or are some better?
On the positive side, our kids should be covered by state Medicaid which is generous — income limits up to ~350% poverty level. The health exchange automatically applied for us and from what I’m reading it goes into effect on the application date. Or I think that’s what it said.
