What is supplemental insurance?

SANG MI pays the hospital confinement benefit amount of $250 for each day a covered person is necessarily admitted and confined in a hospital. This benefit is payable a maximum of 365 days for any one confinement. If a hospital observation stay and a hospital confinement occur on the same day, only the hospital confinement benefit is payable.

SANG MI pays the intensive care benefit amount of $250 for each day a covered person is necessarily confined in the intensive care unit of a hospital. This benefit is payable a maximum of 30 days for any one confinement and is in addition to the hospital confinement benefit.

SANG MI pays the hospital observation benefit amount of $250 for each day a covered person receives treatment as an outpatient in a hospital observation unit and an observation room charge is incurred. This benefit is payable a maximum of 14 days per observation stay. A maximum of three hospital observation stays shall be payable per calendar year per covered person. (Benefit not available in New Mexico. Limited supplemental coverage in Colorado and Pennsylvania).

SANG MI pays the emergency accident benefit amount of $250 for each day a covered person requires emergency treatment as the result of an injury. Emergency treatment must be provided by a physician in a physician's office, urgent care facility, or hospital emergency room and be received within 72 hours of the injury, or within 12 months of the injury for New Hampshire and Washington.

This benefit is payable a maximum of three days per calendar year per covered person. Only one benefit shall be payable per day per covered person. (Limited supplemental coverage in Colorado and Pennsylvania).

SANG MI pays the extended care benefit amount of $125 while a covered person is a resident inpatient in an extended care facility. An extended care facility stay must follow a hospital confinement of at least three days for which a hospital confinement benefit was payable, begin within 30 days after such hospital confinement, be for the sole purpose of receiving medical care for and during convalescence from the same injury or sickness which caused the hospital confinement, and must not exceed 60 days per calendar year. This benefit is not payable for custodial care.

SANG MI pays the outpatient surgery benefit amount of $250 for a covered person's outpatient surgical operation. The surgery must be necessary for the treatment or diagnosis of an injury or sickness and performed by a physician in a medical facility. This benefit is payable a maximum of 12 days per calendar year per covered person.

Only one outpatient surgery benefit shall be payable per day, per covered person. This benefit is not payable while the covered person is confined in a hospital or is a resident inpatient in an extended care facility. (Limited supplemental coverage in Colorado and Pennsylvania).

SANG MI pays the ambulance benefit amount of $500 for ground and $1000 for air if a covered person requires transportation by ambulance for an injury or sickness to or from a hospital or between medical facilities. This benefit is payable a maximum of one time per calendar year per covered person for ground ambulance and a maximum of one time per calendar year per covered person for air ambulance (Limited supplemental coverage in Colorado and Pennsylvania).

If as a result of Maryland's state requirement of a utilization review for all patient's admitted to the hospital, you are billed for a Second Opinion, we will pay $125 per occurrence.