Whether or not medical insurance companies are required to pay the medical bills of a covered patient if he or she checks out of the hospital against medical advice depends upon the terms of the policy of each given insured.As such, you need to carefully read your policy of insurance in that its terms and conditions control the obligations owed to you by your insurance carrier and vice versa in the absence of conflicting state law.Most likely, assuming the claim is a covered medical claim under one's insurance policy for the hospital stay, your carrier will pay the hospital bill even if you checked out against medical advice. The concern of hospital personnel is that leaving too early from the hospital may create complications and be a hazard for the patient.