Public Hospital Benefits will cover you for a stay in a shared ward of a public hospital. But it will not go anywhere near paying for the cost for a stay in a private room in a public hospital or a stay in a private hospital, you will pay large out of pocket expenses to cover the difference in costs.

Public Hospital Benefits vary by State, the type of hospital and type of treatment provided.

Before going to hospital, contact nib to check your benefits. Be sure to have the name of the hospital you are going to and your Medicare item number handy.