Which organization covers hospital costs in health insurance?

Blue Cross is known for covering hospital costs in health insurance. This organization focuses specifically on providing insurance for inpatient hospital care, as well as some outpatient services. While Blue Shield typically addresses physician services and medical care outside of hospitals, Blue Cross is designed to alleviate the financial burden that comes with hospital stays, making it distinct in its primary purpose.

Additionally, while the term "insurer" could apply broadly to any organization providing insurance coverage, it does not specifically point to the type of costs covered. Similarly, NAIC (National Association of Insurance Commissioners) is a regulatory body that coordinates among insurance regulators but does not provide insurance coverage itself. Thus, Blue Cross stands out as the precise organization responsible for covering hospital-related expenses.