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personal health insurance quote
What expenses are covered under major medical policies? No matter whether they are supplemental or comprehensive both will generally cover the following even if they vary slightly from policy to policy: Hospital inpatient room and board including intensive and cardiac care, Nursing services including private duty outside a hospital, Hospital medical and surgical services and supplies, Physicians’ diagnostic, medical and surgical services, Anesthesia and anesthetist services, Other medical practitioners’ services, Outpatient services, Ambulance service to and from a hospital, xRays and other diagnostic and lab tests, Radiologic and other types of therapy, Prescription drugs, Blood and blood plasma, Oxygen including administering, Dental services that are a result of injury to natural teeth, Convalescent nursing home care.
Here are some things to look for: Some policies pay benefits only if someone is unable to perform the duties of their customary occupation, while others pay only if the person can engage in no gainful employment at all. Make sure that you know the insurer’s definition of disability. Some policies pay only for accidents, but it’s important to be insured for illness, too. Be sure, as you evaluate policies, that both accident and illness are covered.
Very few plans cover eyeglasses and hearing aids because these are considered budgetable expenses. Very few cover elective cosmetic surgery, except to correct damage caused by a covered accidental injury. Some fee-for-service plans do not cover checkups. Procedures that are considered experimental may not be covered either. And some plans cover complications arising from pregnancy, but do not cover normal pregnancy or childbirth.
Additionally, there are two types of consumer cooperatives. One is the mutual insurance model discussed previously and the other less common and unincorporated type is a reciprocal company.
But when people talk about health insurance, they usually mean the kind of insurance offered by employers to employees, the kind that covers medical bills, surgery, and hospital expenses. You may have heard this kind of health insurance referred to as comprehensive or major medical policies, alluding to the broad protection they offer. But the fact is, neither of these terms is particularly helpful to the consumer.
What types of health coverage are available? If your employer offers you a choice of health plans, what should you know before making a decision? In addition to coverage for medical expenses, do you need some other kind of insurance? What if you are too ill to work? Or, if you are over 65,will Medicare pay for all your medical expenses?
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