Will your health insurance cover Ebola treatment?

health insurance cover Ebola treatment

photo credit: CDC Global  cc

According to Gerard Anderson, professor at the Johns Hopkins Bloomberg School of Public Health, the hospital bill for an Ebola patient could be as high as $24,000 a day. If you have health insurance, most of this will be covered. That being said, there are a number of factors that will determine exactly how much of the bill you will be expected to foot. Ebola care is so expensive because not only does the patient require intensive care, but there are additional costs associated with isolating the patient and the subsequent loss of revenue from other patients.

The first number you should check on is your annual-out-of-pocket maximum. It’s almost the end of the year, so it’s possible that you’ve already hit that. In which case, you should be covered as long as your treatment is ‘in-network’. However, there is a lot of fine print at this point, so you may want to give your insurance agent a call and verify what your annual out-of-pocket maximum is and how much your insurance will cover after that is met.

In situations like these, it’s always advantageous to have a qualified local insurance agent who is familiar with your area, and can better assess your risk levels, and knows your specific situation. These agents can guide you in the decision making process and help make sure you and your family members are protected.