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Paying for the Hospital

You get sick or injured and finally decide to go to the emergency room. Do you go by ambulance? Do you drive? Do you have someone drive for you?

You get to the emergency room, they find out why you are there, they take your vitals, and they lead you to a room. You see a physician. Tests are ordered and completed.

Through examination, the physician decides that you need to be admitted for further observation and treatment. The nurses take you up to a room. If you are really sick, you may even end up in the ICU, the Intensive care unit.

How do you pay for this treatment? Do you have insurance? Is there a copay, deductible, or co-insurance? Either way, it will be expensive. How expensive? The average cost of the hospital in the United States is $2,000-$3,000 per day. More than 58% of Americans do not have at least $1,000 set aside for medical costs.

How would you pay for these expenses?

You can set up a payment plan with the hospital. They will work with you and your budget to set up the amount you will be responsible for. Just be mindful that the payment plan will accrue interest.

The other option that you can look into is a hospital policy. There are several of them. It could be for an accident, sickness, heart attack/ cancer/ stroke, or maybe even for maternity. It all depends on the insurer and what they have to offer. As long as you pay your premium, the policy will stay in effect. Once confined to the hospital, you can submit a claim. The policy will pay you the benefit you’re entitled to. You can use that to pay your hospital expenses.

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