Following up last week’s post about insurance ridiculous, I spent some time poking around for different plans and found a hospital plan that “covers your hospital needs-and the hospital needs of your covered dependents-even when you are far away from home.” Well visited are covered too, and It’s significantly cheaper than our current plan and a better insurer. You pay out-of-pocket for non-hospital visits, but then hospital stuff is covered. That would work for us.
Here’s the question though: they say they only cover expenses billed by the hospital, so if the surgeon isn’t on the staff, their work wouldn’t be covered. I have no hospital experience and so my question for those in the know: is it common for hospital doctors to be hospital staff? Or are they usually not? What I don’t want is an accident that sends me to the ER, like a car crash, and I have some emergency surgery and after the fact discover the surgeon isn’t a hospital employee. And then be on the hook for $300,000 in bills or something. Anyone with experience, please chime in!