“State Grange Activities”
by Harry B. Caldwell, State Master, as published in the September 1938 issue of
the Carolina Co-operator
Hospital Insurance
The State Grange is now offering another protection against
the misfortunes of life. A cooperative agreement between the Executive
committee and the Hospital Savings Association of Chapel Hill enables us to
offer a form of Mutual Hospital Insurance that will make it possible for our
members and their families to receive hospital care when needed without
financial embarrassment.
The Hospital Savings Association is a nonprofit service
agency. It is the only one in North Carolina approved by the American Hospital
Association and the State Medical Society, and its rates are reasonable.
The Association operates on a group plan. A certain per cent
of the members of any group or organization must join before an individual can
secure the service. By using this plan they can accept the individual for
membership without physical examination.
The Association agrees to pay $3 per day towards the expense
of room and board in the hospital for 21 days during the first year that the
contract is in force and 30 days each year thereafter; to pay all operating and
delivery room expense; all laboratory fees; for all medicine, bandages,
dressings, etc., while the individual is a patient in the hospital. This
complete service is good in any North Carolina hospital. The member receives a
membership card, which is presented to the hospital upon entering for
treatment. The hospital then looks to the Association for the payment of bills
within the limits set forth in the contract.
Two types of memberships are offered: individual at 60 cents
per month or $7 per year, and a family contract for father, mother, and all
children under 16 years of age at $1.60 per month or $19 per year.
Where there
are no children under 16 years of age, it is cheaper for a man and his wife to
take individual memberships.
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