What is covered with a Health Insurance Policy?

Answer:
Health insurance policies cover a variety of

healthcare expenses including medical examinations and services, diagnostic tests, and drugs. Health insurance policies vary in what they will cover. The policy will list the covered services. These benefits are what the insurance company will agree to pay however some services may not be 100% covered; you may have to pay a co-payment, percentage, or deductible.

Basic health insurance typically covers physician’s fees, office visits, hospital visits, hospital rooms and expenses, surgical fees, lab work, x-rays, and common medical services.

Medical health insurance doesn’t cover dental work, hearing aids, or vision care. Many policies don’t cover elective procedures such as cosmetic surgery or experimental treatments. While some health plans offer prescription drug coverage, not all do.

The best way to find out exactly what your healthcare insurance covers is to read the paperwork thoroughly. If you can’t find any paperwork, call your healthcare provider and ask them to send you a new copy. Pay close attention to the exclusions section as well so that you can see what has been specifically excluded from the policy.


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