Hospital Room (Semi-Private / Private)

Hospital room coverage pays for the cost of upgrading from a standard ward room to a semi-private or private hospital room. This benefit allows greater privacy and comfort during inpatient stays.

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Plans generally cover the difference between the ward rate and the upgraded room rate, subject to daily and annual maximums. Some basic plans include only semi-private coverage, while others let you add private room options as riders.

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Example:

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If a private hospital room costs $250 more per night than a ward room and your plan covers up to $200 per night, you pay $50 out of pocket.

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What to Watch For:

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Hospital room benefits do not cover extra physician charges or uninsured services. Always check maximums and whether pre-approval is required.