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cheap health insurance prescription
Pre-existing Condition: A health problem that existed before the date your insurance became effective.
If a group policy covers occupational illness and/or injury, the degree of occupational hazard becomes an important factor. Again, the higher the occupational hazard, the higher the rate. Group health plans may include any of several types of insurance discussed earlier. With no intention of becoming repetitive, let’s review some of those individual coverages. A group health plan doesn’t have to include all coverages although most will include at least two or more.
Aside from the group scenario above, many policies just exclude maternity benefits totally but make them available at extra cost. Where maternity benefits do apply, the benefit usually includes newborn care while the mother is in the hospital.
Hospital-surgical policies, sometimes called basic health insurance, provide benefits when you have a covered condition that requires hospitalization. These benefits typically include room and board and other hospital services, surgery, physicians’ non surgical services that are performed in a hospital, expenses for diagnostic X-rays and laboratory tests, and room and board in an extended care facility.
Aside from the group scenario above, many policies just exclude maternity benefits totally but make them available at extra cost. Where maternity benefits do apply, the benefit usually includes newborn care while the mother is in the hospital.
Some policies dictate that certain types of medical expenses are not subjected to the deductible while other types are. For example it is non uncommon for no deductible to apply to initial hospital and/or surgical expenses up to a specified amount. In a case like this, the insured would pay no deductible in expenses but would first pay the deductible before major medical covered any additional expenses. The insurer and insured would then share in the remaining expenses at 80% and 20% or whatever the percentage is in their applied policy.
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