Understanding the Benefits of the Health Insurance Plan
It is very easy to assume that if you have a health insurance plan, then you are covered for uncertainties. Unfortunately, this is not the case; and most health plans will exclude certain forms of treatment; also there is also considerable variation among individual plans. In addition, it is also thought that, after having paid your prize, your medical bills are covered. Again, this is far from the case and you will be expected, regardless of the plan you choose, to attend to at least a portion of your medical costs.
Ideally, a personal or family health plan will cover everything from preventive care to major accidents and hospital care and everything in between. In reality, however, the treatment for which you are entitled under your plan will almost certainly be limited and the plan will rarely attend to one hundred percent of your costs. For this reason, it is vital that you read the fine print of any plan before enrolling for coverage and that you understand exactly what you are and are not receiving.
Traditionally, compensation or fee-for-service plans do not cover you for preventive treatment, such as annual check-ups and immunization, although this is usually covered by health plans. Today, however, the situation is changing and more and more insurance companies are having the vision that they can save a lot of money by focusing more efforts on encouraging plan holders to stay healthy in the first place. For this reason, it is increasingly common to see preventive medicine covered by plans and some even offer discounts on the use of facilities and health club programs that help plan holders to quit smoking. The kind of thing that most plans cover today include annual check-ups, immunization, annual eye exams, routine medical care, prenatal care, visits to infants, emergency care and hospital, including x-rays, blood tests. and other laboratory work.
It is important, however, to remember that the exact combination of treatment that is covered will vary from one plan to another and, therefore, you should carefully check any plan document to see exactly what is safe. As important as this, you should also read the plan for what is specifically excluded. Most Medical Insurance Plans for Individuals 2020 clearly list the medical treatment that is excluded and this will normally include dental and ophthalmological care (in addition to a routine annual survey) and an extensive alphabetical list that ranges from acupuncture to treatment of weight loss, which can be found here https://www.medicalinsurance2020.org.
You may find that, in some plans, dental and vision care is covered, but, in general, health insurance plans in the United States do not cover these areas, and separate coverage plans and coverage of vision need to be organized. Another area to pay special attention is the coverage for the cost of prescribed medications. As the cost of prescription drugs continues to increase alarmingly, a growing number of insurance companies are excluding the cost of medications from their plans. Coverage for the cost of prescribed medications is also becoming increasingly common to be made available through separate plans, such as in the case of coverage for dental and ophthalmological care.