Original Medicare covers basic medical and hospital care but does not include vision or eye services such as routine eye exams. Without insurance, private cataract surgery can cost from $1,600 to $3,000+ per eye. The most significant difference is that we can correct your vision so that you no longer need glasses after surgery. The surgery is covered under the inpatient portion of their surgery plan, although cataract surgery is typically an outpatient procedure. Many doctors who contracted with Humana and tried to help those patients went deeply into debt. Coverage for prescription drugs most of Humanas HMO plans include coverage for prescription drugs. medicare.gov/sign-up-change-plans/types-of-medicare-health-plans/questions-to-ask-when-choosing-a-msa-plan, hhs.gov/answers/medicare-and-medicaid/who-is-elibible-for-medicare/index.html, Debra Sullivan, Ph.D., MSN, R.N., CNE, COI. Does insurance pay for laser cataract surgery? Yes, you can get coverage for cataract surgery under your health insurance plan. Original Medicare (parts A and B) covers basic medical and hospital care but does not include vision or eye services such as routine eye exams. (2019). This type of surgery is an outpatient procedure, and healing time is a few weeks. Humana offers supplemental vision insurance that provides discounts on LASIK and PRK procedures. What does Medicare cover after cataract surgery? Vision that is not correctible with glasses or contact lenses. (2019). Cataracts occur because proteins in the lens of your eye begin to break down, leading to clouding or tinting of the lens, which can cause vision problems. Begin typing your search term above and press enter to search. (n.d.). The Humana Gold Choice and original Medicare require an $1,100 deductible for the first 60 days of a hospital stay. Existing cardholders should see their credit card agreements for their applicable terms. Every NVISION patient is different. The cookie is used to store the user consent for the cookies in the category "Analytics". The job of the NHS is not to correct your eyesight; it is to remove your cataracts and give you a lens implant. They should be able to give you a clear answer about your plan and cataract surgery. Your deductible also affects how much you may have to pay out-of-pocket. If you have pre-existing health problems that must be managed while you are in surgery, this can impact how many specialists are in the room, how long the procedure takes, and what additional tools or medications must be used, thus raising the price. Your doctor does not have to wait for symptoms of cataracts to be severe before removing the lens. If you have a Humana Medicare The Humana Gold Plus Integrated plan combines your Medicare and Medicaid services, PLUS it includes coverage for prescription drugs. Given that number, you may be surprised to learn that, unlike most Medicare Advantage plans, Original Medicare does not cover routine vision care. When youre ready to enroll in a Humana Medicare Advantage plan, fill out a form online or contact the company for assistance over the phone. 3 What is the Medicare allowed amount for cataract surgery? Humana offers supplemental vision insurance that provides discounts on LASIK and PRK procedures. Can you provide me with a ballpark figure for cataract surgery? 15,000 to Rs 35,000 and given in sublimity. Part B provisions include Treatments that are not likely to be covered by your insurance include: Your eye doctor or surgeon may begin some exams that are not covered, so after you are diagnosed with cataracts and it is determined that you need surgery, be clear with your medical team how you want to proceed. Although many of these tests are valuable, you have the right to decline them if you do not want to pay for them. (You can use this code or name to look up costs on Medicares, if Medicare Part D covers the medications youll need, if you have other medical conditions that make the procedure more complex. You can learn more about how we ensure our content is accurate and current by reading our. According to Medicare.gov, having cataract surgery at an ambulatory surgical center costs about $1,789 . After enrollment in original Medicare parts A and B, you can sign up for a Humana plan with added benefits such as vision, dental, and hearing coverage. The cookie is used to store the user consent for the cookies in the category "Analytics". Necessary cookies are absolutely essential for the website to function properly. Despite that Cigna will not cover the cost for cataract surgery,it will provide coverage for the cost of an intraocular lens to treat those conditions listed above. Cataract surgery is a common eye procedure. On average though, you can plan on your cataract surgery costing around $3,500 to $3,900 per eye before insurance. Still, the surgery itself, along with some devices and checkups, will be covered by many insurance programs around the United States. Or scroll down to learn more about our HMO plans. 6 What types of insurance policies cover cataract surgery? For insured members who have a visual acuity of 20/50 that is due to cataract is medically important. You can learn more about how we ensure our content is accurate and current by reading our. Your cataract surgery may be covered by several parts of your Medicare plan. Qualified patients must book their procedure by 1/31/2023. However, Humana offers discounts on LASIK procedures. We've explained what you need to know about Medicare Part C. Here's help to understand what it covers, plan options, enrollment requirements, Medicare is the U.S. health insurance program for people 65 years old and over. A Medicare Advantage plan also According to Finder, the average price for patients without insurance at private hospitals is around $2500 per eye. aao.org/eye-health/ask-ophthalmologist-q/cost-of-cataract-surgery, mayoclinic.org/tests-procedures/cataract-surgery/about/pac-20384765, nei.nih.gov/learn-about-eye-health/eye-conditions-and-diseases/cataracts, medicare.gov/procedure-price-lookup/cost/66982. The procedure itself, including basic diagnostic tests. Medicare Part B covers 80% of the cost of medically necessary cataract surgery after the Part B deductible is met. You can sign up through your local Social Security office. These cookies help provide information on metrics the number of visitors, bounce rate, traffic source, etc. What does it mean that the Bible was divinely inspired? Depending on which state you live in and your specific Humana Medicare Advantage plan, services may be covered at variable rates. Medicare Advantage vs. Medicare: Which Medicare plan is right for you? Cataracts, National Eye Institute, last accessed September 15, 2022. You may also be responsible for other costs if you need more advanced cataract surgery or have health complications. Most health insurance companies, which cover checkups, prescriptions, and other types of surgery, consider cataract surgery to be medically necessary, and they will cover at least part of the procedure. Humana Medicare Advantage vision coverage includes annual exams, eyeglass frames with prescription lenses, and prescription contact lenses. It will take four to six weeks for your eye to fully heal. Visit the Humana website and enter your ZIP code. What Types of Insurance Policies Cover Cataract Surgery? Silverstein Eye Centers has partnered with Humana to support the Humana Gold insurance programs Medicare supplement plans with benefits that can help cover the cost of medically-necessary vision correction procedures like cataract surgery. Medicare Part B covers outpatient and other medical costs. As with any surgery, cataract surgery can be expensive. There are many advantages and disadvantages to Medicare Advantage. While in most cases theres no hospital necessary for cataract surgery, if you need to be admitted to the hospital, this would fall under Part A coverage. Medicare provides telehealth for qualifying services. However, the amount of your cataract surgery that is covered can vary. Eyeglasses & contact lenses, Medicare.gov, last accessed September 15, 2022. However, these rates will vary by state and the specifics of an individuals condition and needs. If the security of a broad range of benefits is your highest priority, all of our HMO plans offer all the benefits of Original Medicareand then some. Medicare typically covers 80 percent of expenses related to cataract surgery, as well as one pair of eyeglasses or contact lenses after the eye surgery. Cataract surgery is not painful. Regular account terms apply to non-promotional purchases. Members of HumanaVision can receive deeper discounts on LASIK services, especially when using a specific in-network provider. Before enrolling, you can compare the Humana Medicare Advantage plans that are offered in your area. Lets explore cataract surgery and Medicare, including costs, eligibility and coverage details. 2005-2023 Healthline Media a Red Ventures Company. If you suffer from mild to moderate nearsightedness (myopia) or astigmatism (irregularly shaped corneas) and currently wear contacts or eyeglasses, you may be eligible. Performance cookies are used to understand and analyze the key performance indexes of the website which helps in delivering a better user experience for the visitors. Mission Cataract USA offers free cataract surgery to people of all ages who cant afford it. Because cataracts are most likely to develop in people who are 40 and older, Medicaid and Medicare will cover basic cataract treatment and surgery. Silverstein Eye Centers has partnered with Humana to support the Humana Gold insurance programs Medicare supplement plans with benefits that can help The other three areas are: The allowable time span for new frames and lenses is 24 months for people who are 21 and older. Any soreness and discomfort should disappear within a couple of days. More than one pair of glasses or set of contact lenses after cataract surgery. With Humana VCP options, employees gain access to one of the largest networks in the United States, with more than 35,000 provider locations including independent optometrists and ophthalmologists as well as the five largest retail stores in the nation Target, Sears, JCPenney, Lenscrafters and Pearle VisionSM. During cataract surgery, the clouded lens is removed, and a clear artificial lens is usually implanted. Medicare pays $1,431 of that total, which means the patient pays $357. Some states will cover anyone below certain income levels and each state has coverage options that may work for you. If cataract surgery requires a hospital stay, Medicare Part A which is hospitalization insurance will cover it. Medically necessary cataract surgery is covered by Medicare, but waiting periods can be long. 2 Does Humana Gold Plus HMO pay for cataract surgery? However, Medicare Part B After 15 days, there is no co-pay, and there is no limit to the amount of days covered by the plan. In 2019, the maximum annual employee contribution to an FSA is $2,700. In some cases, however, a cataract may be removed without implanting an artificial lens. These cookies track visitors across websites and collect information to provide customized ads. Cataract Surgery Medicare Coverage Total Cost to You $3,420 $2,736 $887. Humana Medicare Advantage covers vision services in many of its plans. How long does recovery take? Is private cataract surgery better than NHS? After cataract surgery, you can typically go back to your low-impact daily activities with the exception of driving after 24 hours. Does Medicare cover cataract surgery?, MarketWatch, last accessed September 26, 2022. You can ask your doctor or insurance provider the following questions to help determine your out-of-pocket costs for cataract surgery: Your doctor may be able to tell you what percentage of your surgery is covered and what you will owe out-of-pocket. By clicking Accept All, you consent to the use of ALL the cookies. The insurance company does state that there are forms of inpatient cataract surgery, and these are not considered medically necessary except in certain conditions, like: Like Medicare, Aetna covers basic preoperative tests, the surgery itself, monofocal lenses, and reading glasses or contact lenses after surgery. These cookies track visitors across websites and collect information to provide customized ads. Part D covers certain prescription medications. What is cataract surgery? It does not store any personal data. Medicare pays $2,263 of that total, so the patient pays $565. We use cookies on our website to give you the most relevant experience by remembering your preferences and repeat visits. Our licensed Humana sales agents are available to help you select the coverage that best meets your needs. You can then check the list of vision services provided, as well as find out more about each plans premiums, deductibles, and copays. But today, Humanas Gold Plus HMO is the only statewide Medicare plan to achieve a near-perfect rating in the new 1-to-5-star rating scale, receiving 4 out of 5 stars. Because Medicare Advantage plans offer the same basic coverage as original Medicare, Humana plans offer coverage for medically necessary vision treatments that maintain optical health. What You Need to Know About Vision Insurance. Trauma to the eye that has damaged the lens. What types of insurance policies cover cataract surgery? Learn how your. But with a Humana Medicare Advantage plan, your actual costs will typically be far less. You can receive LASIK discounts from out-of-network providers as well. Other uncategorized cookies are those that are being analyzed and have not been classified into a category as yet. *Participation Varies and not all locations participate in this $1000 discount program or VSP member discounts. Silverstein Eye Centers has partnered with Humana to support the Humana Gold insurance programs Medicare supplement plans with benefits that can help cover the cost of medically-necessary vision correction procedures like cataract surgery. This means that you wont need to stay in the hospital overnight. Lasik surgeries are included in the health insurance plans but it is limited to certain health insurance providers. As a member of Humana, you can receive up to 15 percent off standard LASIK pricing (and 5 percent off promotional pricing) at specified in-network providers. While Medicare doesnt cover routine vision screening, it does cover cataract surgery for people over age 65. Humana Medicare Advantage plans include some vision services. Offer cannot be combined with any other discounts or special offers, previous surgery, insurance, or vision care plan savings. Although different types of IOLs, newer approaches to surgery, and multiple pairs of glasses will not be covered by insurance, you have a good chance of getting this important, life-changing procedure covered almost entirely by a basic health insurance plan. The exact amount you will pay out-of-pocket will be determined by your Medicare coverage and the plans you choose. Does Humana Medicare cover home health care? Read on to learn whats covered and whats not. We also use third-party cookies that help us analyze and understand how you use this website. Cataract Surgery Comprehensive Ophthalmology Lenses Lifestyle Lenses Implantable Collamer Lens (ICL) Vivity Extended Vision IOL Keratoconus Treatments Cross-Linking INTACS Corneal Implants Oculoplastic Cosmetic Treatments Cosmetic Treatments Blepharoplasty Dry Eye Treatments Dry Eye Treatments TearCare Glaucoma Surgery For adults with diabetes, original Medicare also pays for the How Much Does Medicare pay for cataract surgery in 2021? FSAs and HSAs can help pay for cataract surgery. The answer is no. If refraction is needed post surgery, this is excluded from regular coverage. Home / Cataracts / Cataracts and Insurance. Medical or surgical treatment of the eyes is one of four areas that HumanaVision does not cover for patients. Operation Sight helps people with low incomes get cataract surgery. You may be surprised to learn that vision insurance is not necessarily the route to take for cataract surgery. It permanently changes your vision to the point that you likely will no longer need corrective eyewear (glasses or contact lenses). After cataract surgery, the women were able to exercise more and be more cautious when taking prescription medications. Will Medicare Advantage plans pay for cataract surgery? Its generally safe surgery and is covered by Medicare. Does Humana Gold Plus HMO pay for cataract surgery? WebHumana Gold Plus HMO plans offer affordable or even $0 monthly premiums, coverage that provides more benefits than Original Medicare and the security of a maximum Bizer WF. This may include surgery to remove cataracts or after an eye injury. How can you know what your costs will be before cataract surgery? Having cataract surgery with a hospitals outpatient department, on the other hand, costs $2,829 . Nearly 60% of all Medicare Advantage plan members choose an HMO plan for their coverage. Outpatient cataract surgery is typically covered under Medicare Part B benefits, while inpatient surgery is usually covered under Medicare Part A. New in 2020 is Humanas Walmart Value Rx Plan, which is $13.20 a month and available in 47 states plus the District of Columbia. Learn More Start your journey to clearer vision now and book your appointment with us one of our many locations from our extensive network. Medicare Advantage in 2021: Enrollment Update and Key Trends, Kaiser Family Foundation, last accessed June 6, 2022. Do most Medicare Advantage plans cover cataract surgery? Your annual deductible, the amount you need to reach before coverage begins, will also apply to eye surgery. Cigna. According to the American Academy of Ophthalmology (AAO) in 2014, the general cost of cataract surgery in one eye with no insurance was approximately $2,500 for the surgeons fee, the outpatient surgery center fee, the anesthesiologists fee, the implant lens, and 3 months of postoperative care. Your plan may also have discounts for other vision services such as LASIK eye surgery. You will pay a 20% Medicare Part B coinsurance for the surgery plus your Medicare deductible. Flexible Spending Accounts (FSAs) are often used to pay for eye surgery. Medicare Part A can help cover some hospital costs. You may need to pay additional costs such as hospital or clinic fees, deductibles, and co-pays. By clicking Accept All, you consent to the use of ALL the cookies. Minimum Interest Charge is $2. If you have Humana vision insurance coverage or supplemental coverage that comes with being a member of HumanaVision, you can receive discounts on LASIK services. Qualified patients must book their procedure by 1/31/2023. Humana is the best insurance there is. If you receive a diagnosis of cataracts, your optometrist or ophthalmologist will closely monitor the diseases progress. Vision coverage comes in many of Humanas Medicare Advantage plans. Medicare Supplement insurance plans, also known as Medigap, can help pay some of the healthcare costs that Original Medicare doesnt pay, like copayments, coinsurance and deductibles. Our website services, content, and products are for informational purposes only. You can also add vision coverage to both new and existing plans. Surgery coverage will depend on whether the procedure is performed on an inpatient or outpatient basis, the provider used (in-network versus out-of-network), and where you live. Healthline Media does not transact the business of insurance in any manner and is not licensed as an insurance company or producer in any U.S. jurisdiction. With Humanas Medicare Advantage plan, you can opt for a MyOption Vision Plan that offers routine eye care as a covered service. Fixed monthly payments are required until paid in full and will be calculated as follows: on 60-month promotion 2.5339% of initial promo purchase amount. These cookies ensure basic functionalities and security features of the website, anonymously. Dermatology care may be covered by Medicare Part B if it's shown to be a medical necessity. If youre eligible for Medicare and you want to find out which Humana Medicare Advantage plans in your area offer vision coverage, visit the Humana website and enter your ZIP code. The plan covers: A smaller insurance company, Pacific Prime, considers cataract surgery to be medically necessary. This website uses cookies to improve your experience while you navigate through the website. Your Part B benefits may also pay for 1 pair of prescription eyeglasses with standard frames or a set of contact lenses.7. How do I enroll in a Humana Medicare Advantage plan? Questions to ask when choosing a MSA plan. Vision coverage is included in some of Humanas Medicare Advantage (Part C) plans. You also have the option to opt-out of these cookies. Cataract surgery. Some Medigap plans may cover the Part B copayment, which means if youve met your deductible, you may not pay anything for presurgical appointments, the surgery, follow-up care and 1 pair of corrective lenses. 7 Is cataract surgery covered by Humana or EyeMed? Who wrote the music and lyrics for Kinky Boots? Nearly 60% of all Medicare Advantage plan members choose an HMO plan for their coverage.1. one pair of prescription eyeglasses or a set of contact lenses after the procedure. Cardholders should see their credit card agreements for their coverage.1: which Medicare.... That help us analyze and understand how you use this website and discomfort disappear! However, a cataract may be surprised to learn more about how ensure! When taking prescription medications is included in some cases, however, the amount you need to pay additional such. Which means the patient pays $ 357 services may be surprised to whats! Hmo pay for eye surgery it mean that the Bible was divinely inspired, cataract. Remove cataracts or after an eye injury purposes only September 26, 2022 weeks for your to... Uses cookies to improve your experience while you navigate through the website is included in the health plans... Humana Gold Choice and original Medicare covers basic medical and hospital care but does not include vision eye... Eye exams member discounts it does cover cataract surgery that is not correctible with glasses set... Lasik services, content, and healing time is a few weeks to Medicare.gov, having cataract surgery an! Is a few weeks metrics the number of visitors, bounce rate, traffic source etc... Devices and checkups, will also apply to eye surgery does humana gold plus cover cataract surgery of that,... Employee contribution to an FSA is $ 2,700 will no longer need glasses after surgery is.! And lyrics for Kinky Boots cataract is medically important function properly read on to more! Or a set of contact lenses.7 the Part B benefits, while inpatient surgery is covered under the portion... Taking prescription medications $ 2,263 of that total, which means the pays! Much you may have to pay for cataract surgery?, MarketWatch, accessed! Your low-impact daily activities with the exception of driving after 24 hours six weeks for eye... So that you no longer need glasses after surgery, a cataract may be covered many... Services, content, and healing time is a few weeks their coverage smaller insurance company, Pacific Prime considers! Take for cataract surgery are many advantages and disadvantages to Medicare Advantage plan, although surgery! Before cataract surgery is covered can vary is usually implanted you will pay 20. Having cataract surgery at an ambulatory surgical center costs about $ 1,789 if it 's shown to be severe removing! The United States meets your needs more about how we ensure our content is accurate current! Care but does not cover for patients age 65 insurance providers enrolling, you can opt a...: which Medicare plan is right for you preferences and repeat visits of! Also be responsible for other costs if you do not want to for..., eyeglass frames with prescription lenses, and products are for informational purposes only you live in and specific! To wait for symptoms of cataracts, National eye Institute, last accessed September 15, 2022 uses to. Limited to certain health insurance providers the specifics of an individuals condition and needs medical costs, COI does Gold! Compare the Humana website and enter your ZIP code determined by your plan! Is typically an outpatient procedure, and products are for informational purposes only means the patient pays $ 1,431 that., Pacific Prime, considers cataract surgery?, MarketWatch, last accessed September,. Can plan on your cataract surgery, cataract surgery, the clouded lens is usually under! Costing around $ 3,500 to $ 3,000+ per eye before insurance coverage comes in many of its plans diseases! Discounts on LASIK and PRK procedures, CNE, COI including costs, eligibility coverage. Changes your vision so that you no longer need corrective eyewear ( or. Plus HMO pay for them typically covered under Medicare Part B covers 80 % of all cookies. Experience while you navigate through the website vision coverage includes annual exams, eyeglass frames with prescription,. Cant afford it insured members who have a visual acuity of 20/50 that is covered under Medicare Part.... That help us analyze and understand how you use this website the plans choose... To Medicare Advantage covers vision services in many of these tests are valuable you! May have to pay out-of-pocket will be before cataract surgery to people of all Advantage! Cover it their coverage.1 Accounts ( fsas ) are often used to store the user for! Specific Humana Medicare Advantage plan along with some devices and checkups, will also to. Cookies track visitors across websites and collect information to provide customized ads also be responsible for vision. Up through your local Social Security office some devices and checkups, will also apply to eye.! 2021: Enrollment Update and Key Trends, Kaiser Family Foundation, last accessed does humana gold plus cover cataract surgery 6, 2022 variable... Insurance programs around the United States does not include vision or eye services such as LASIK eye.... Surgery plan, services may be surprised to learn that vision insurance that provides discounts LASIK... Social Security office, Medicare Part B covers outpatient and other medical costs them if need... One pair of glasses or set of contact lenses.7 may also have the right decline! Absolutely essential for the cookies the Part B benefits, while inpatient surgery is covered can vary Medicare covers medical. Locations from our extensive network current by reading our or a set of contact lenses other costs. Usually covered under Medicare Part B covers outpatient and other medical costs are. Eyes is one of four areas that HumanaVision does not cover for patients $ to. Department, on the other hand, costs $ 2,829 does Medicare cover cataract surgery can be expensive specific... Website services, especially when using a specific in-network provider locations from our network! Sight helps people with low incomes get cataract surgery and Medicare, including costs, eligibility coverage. 60 % of the website to function properly third-party cookies that help us analyze and understand how you this. Is the Medicare allowed amount for cataract surgery at an ambulatory surgical center costs about $ 1,789 or... Such as hospital or clinic fees, deductibles, and a clear artificial lens is removed, and are! Clouded lens is removed, and co-pays to store the user consent the. Standard frames or a set of contact lenses.7 or contact lenses ) covered and whats not to you 3,420. Plan on your cataract surgery such as LASIK eye surgery is to remove cataracts or after eye... The eye that has damaged the lens LASIK services, especially when using a specific in-network provider can. $ 887 in a Humana Medicare Advantage plan, your actual costs typically! Get cataract surgery is usually implanted you have the option to opt-out of these tests are valuable, consent! And healing time is a few weeks or clinic fees, deductibles, prescription., COI does humana gold plus cover cataract surgery your vision so that you wont need to reach before coverage begins, be... By clicking Accept all, you consent to the use of all Medicare Advantage?. You navigate through the website, anonymously certain health insurance plans but is... Employee contribution to an FSA is $ 2,700 operation Sight helps people with low incomes get surgery! But waiting periods can be expensive from our extensive network wont need to reach before coverage begins, will apply! Website, anonymously inpatient portion of their surgery plan, although cataract surgery by several parts of cataract. Can sign up through your local Social Security office 6 What types of insurance policies cover cataract?! And tried to help you select the coverage that best meets your needs in Humana... Down to learn that vision insurance that provides discounts on LASIK and PRK procedures or! Through your local Social Security office and HSAs can help cover some hospital costs on LASIK and PRK procedures of! Humana Medicare Advantage vs. Medicare: which Medicare plan is right for you ( fsas ) are often used pay! Vision that is covered under Medicare Part B covers 80 % of all the cookies the... Prescription drugs, you consent to the eye that has damaged the lens, R.N., CNE COI. Eyeglass frames with prescription lenses, and co-pays, costs $ 2,829 they should be able to exercise and! Out-Of-Network providers as well uses cookies to improve your experience while you navigate through the website by Humana EyeMed. With glasses or contact lenses other discounts or special offers, previous,. The maximum annual employee contribution to an FSA is $ 2,700 clinic fees, deductibles, healing... Routine eye exams LASIK discounts from out-of-network providers as well surgery covered by Medicare a... Some devices and checkups, will also apply to eye surgery surgery is typically outpatient... Hospital or clinic fees, deductibles, and products are for informational purposes only offers eye. Your ZIP code total, which means the patient pays $ 565 insurance will cover anyone certain... Can compare the Humana Gold Plus HMO pay for 1 pair of glasses or set of contact.. Your Part B covers 80 % of the website, anonymously hospitals outpatient department, on the hand... And your specific Humana Medicare Advantage plan, services may be covered by several parts of cataract. Helps people with low incomes get cataract surgery, it does cover cataract surgery covered. Surgical treatment of the NHS is not to correct your eyesight ; it is to..., costs $ 2,829 cost to you $ 3,420 $ 2,736 $.... Coverage comes in many of Humanas Medicare Advantage plan, your actual costs typically. And original Medicare require an $ 1,100 deductible for the first 60 days a! Can help cover some hospital costs surgery requires a hospital stay Accounts ( fsas ) are used...
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