Inpatient hospitalization services: FSA Eligibility
What are inpatient hospitalization services?
In the event of a major medical emergency, seeking out medical attention at an emergency room is sometimes the only option for some individuals who either cannot see their primary care doctor or are experiencing a medical issue that requires immediate medical attention. In some cases, emergency room visits will involve processing, treatment and discharge in short order, but for more advanced conditions that require further treatment or observation, inpatient hospitalization services may be required.
Inpatient hospitalization services refers to the medical treatment, care and consultation that a patient will receive during an inpatient stay at a hospital. This includes hospital services (X-rays, lab tests, etc.), medications that are included in inpatient treatment, bed and board, medical social services furnished by the hospital for the care of inpatients, diagnostic and therapeutic items, as well as any biologicals, supplies, appliances and equipment that are used during a person's inpatient treatment (Verywell Health).
How are inpatient hospitalization services reimbursed?
The total cost of inpatient hospitalization services is typically covered by most insurance plans, as well as being eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). However, it's important to note that inpatient hospitalization services do not cover medical or surgical services conducted by a physician, resident, certified midwife services, qualified psychologist services, a certified registered nurse anesthetist or the services of a private-duty nurse or private-duty attendant. More advanced forms of treatment, surgery and consultation are not included in some inpatient hospitalization services, so it's important to check with a benefits administrator to ensure that patients will receive full reimbursement for the cost of their treatment.