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Do I have to tell my insurer I am in hospital?

No, not if you're going to pay the bill with your own money. There's no law that says you HAVE TO use your insurance.

But if you intend to use your health insurance for your hospital stay, you should inform your insurer right away. You may need pre-authorization for some things. If the hospital already took your insurance card, it's likely they started a claim for you already.

Last updated: Dec. 17, 2012