What Health Insurance Covers

By Susan Reynolds

Medical Insurance is a must that everyone somehow or the other needs to afford to. The main reason is that there would be an event of unexpected injury or illness and without medical insurance the cost could be devastating. In short a person without medical insurance will not be able to afford the medical expenses. Medical insurance will protect you from out of pocket expenses that are beyond your means in the event of an injury or illness.

Medical insurance is definitely a benefit to every individual who can afford it, or those who choose not to run the risk of being without it. Even the very minimal coverage will cover checkups, and doctor visits. With referrals from your doctors you can get coverage with specialist care. Other special needs, such as X-Rays, may force out of pockets fees, depending on your coverage. Surgeries will also depend on what your insurance covers.

Most medical insurance coverage requires you to pay a deductible for any type of doctor, hospital, or specialists visits. Over the course of a year you must pay towards the deductible with any medical visit, and once that has been paid then you will be fully covered without any further financial responsibility for the visits. Of course, this will all depend on the coverage that an individual?s plan will cover, as each one is unique and different.

In regards to surgeries, and individual must read the fine print, because coverage may not extend past the surgery, and the necessary rehab. Always make sure you know what is and isn?t covered in your insurance policy before arranging a procedure and prepare for all costs that may end up being your responsibility.

Health insurance policies generally do not cover the expenses for the unwarranted surgeries like donation of kidney or bone marrow, cosmetic surgeries for hair transplant, face lift, liposuction, changing of shape/size of nose, boob jobs etc.

If you are hospitalized, the insurance will normally cover the rehabilitation expenses. If the hospitalization is justified, the insurance company will pay all the expenses. But if you overstay at the hospital for a period which is not justified, you will have to bear the expenses.

It is also good to tell your doctor about the insurance plan you have so they will know about the regulations of your insurance company. This can help you and your doctor know regarding the scope of coverage and length of stay for you in the hospital.

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