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Medical problems contributed to 62% of all personal bankruptcies filed in the U.S. in 2007- an estimate of over 500,000. This is a 50% increase over results from a similar 2001 study.
Council for Disability Awareness - 2010
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Q: What gaps does it fill?
An Inpatient Medical Expense Insurance policy is designed as a companion to your medical coverage. It can reduce or in some cases, even totally eliminate the inpatient out-of-pocket expenses you or your covered dependents may incur.
 
This benefit is designed to offset the cost you incur as an inpatient in the hospital when your health plan applies such expenses to your deductible or coinsurance. Coverage includes inpatient hospital stays, inpatient surgeries, and physician’s in-hospital charges. Also includes coverage for emergency room treatment if the ER treatment results in a hospital admission.