Hi Fritter16,
In answer to your question about 100% coverage, only if you have:

1. a certain kind insurance policy or combinations of insurance policies;
2. covered 100% once some insurance policies meet certain limits;
3. some government programs for low/no income qualifiers; or
4. qualify for indigent care where the bill is written off by the hospital/paid for by a non-profit group;

otherwise there is not 100% coverage for hospital stays. There is usually a co-pay or full out-of-pocket expense without insurance or being covered by a program. Hope this helps to answer your question.