Which organization provides protection against the costs of hospital care?

The organization that provides protection against the costs of hospital care is Blue Cross. Blue Cross is specifically known for offering hospital insurance coverage, which helps cover a significant portion of the expenses associated with hospitalization, such as room and board, surgery costs, and other related services. This type of insurance is crucial for protecting individuals and families from high medical costs, ensuring that they can access necessary healthcare services without facing financial hardship due to unexpected hospital stays.

Blue Shield, while also an important health insurance provider, primarily focuses on covering physician services rather than specifically providing hospital care coverage. Health Maintenance Organizations (HMOs) and Point-of-Service Plans (POS) are types of managed care plans that offer different structures and cost management strategies, but they do not represent organizations specifically geared towards hospital care like Blue Cross does.