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One more true example of fixed coverage plan usage
58 year old male was rushed to the emergency room department of the hospital in Bay Area (Northern Calfornia). He was taken there by an amublance because he passed out (fainted).
Doctors described it as a syncopal episode that lasted a couple of seconds. He has had a fever for the past 2 days with headache, body aches, dry cough. He felt all the time he was in the ER. No vomiting, diarrhea, palpitations or difficulty breathing. He arrived from India 3 days ago. No shortness of breath, no focal numbness, weekness. He had no past medical problems.
The patient was in the hospital foru about five hours and fifteen minutes and various labs, chest x-ray, ct scan, ekg/ecg etc. were done and some medicines were given. No other treatment really.
The bill for that just one visit was over $13,500. He purchased $75,000 policy max with $50 deductible. Therefore, the insurance company will pay maximum $440 - $50 = $390, if this is found out be covered expense.
The doctors diagnosed this as syncope, dehydration, febrile illness.
This is yet another true example of how limited the fixed coverage plans are, no matter which one. (Reminder: Most products from India are fixed coverage plans for age above 55). I sincerely urge everyone to buy comprehensive coverage plans only.
Doctors described it as a syncopal episode that lasted a couple of seconds. He has had a fever for the past 2 days with headache, body aches, dry cough. He felt all the time he was in the ER. No vomiting, diarrhea, palpitations or difficulty breathing. He arrived from India 3 days ago. No shortness of breath, no focal numbness, weekness. He had no past medical problems.
The patient was in the hospital foru about five hours and fifteen minutes and various labs, chest x-ray, ct scan, ekg/ecg etc. were done and some medicines were given. No other treatment really.
The bill for that just one visit was over $13,500. He purchased $75,000 policy max with $50 deductible. Therefore, the insurance company will pay maximum $440 - $50 = $390, if this is found out be covered expense.
The doctors diagnosed this as syncope, dehydration, febrile illness.
This is yet another true example of how limited the fixed coverage plans are, no matter which one. (Reminder: Most products from India are fixed coverage plans for age above 55). I sincerely urge everyone to buy comprehensive coverage plans only.
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