Low cost hospitalization policy

A: Hospitalization policies cover expenses incurred while admitted as a patient in a hospital but do not cover out-patient costs or visits to a doctor's office. A low cost is achieved by limiting the dollar amount that the policy pays on a per day or other basis. To qualify for this insurance you must 1) live in any sate other than Alaska, Connecticut, New Jersey, Washington and Wyoming, and 2) be able to qualify on a medical basis. There are two ways to qualify medically. The easiest way is to be able to answer "no" to the two medical questions on the application. If you cannot answer "no" then the insurer requests additional details of your medical history and may make the decision to accept or decline your application. The two medical questions on the application are: 1) In the past 24 months, have you or your dependents, if applying for coverage, had chest pains, disease or disorder of the heart, liver, kidneys or lungs, high blood pressure, albumin or sugar in the urine, diabetes, cancer, tumors or ulcers? 2) Have you or your dependents, if applying for insurance, during the past 24 months, consulted a physician or other practitioner or been confined or treated in any hospital or similar institution? Application may be made by mail or fax only; no online enrollment is available.