Does Health Insurance Cover NICU? 
If you have a `` hospitalization '' policy which may also be referred to as Health Insurance coverage all the policies typically has a section in which they state how much they pay for a semi-private room , ICU , and NICU . This type of policy alos provides coverage for all other services that would covered while an inpatient at the hospital . These coverages are typically stated like `` so much per day '' or `` at a % of total charges . There are `` indemnity policies '' that pay an charge for the room which is typically chosen by the applicant at the time of applying for the coverage . There is another policy referred to as a `` critical care policy '' which is also an indemnity type policy that states they pay some flat amount for a given number of days if you are an inpatient in the hospital . 