Major Medical Plans – What Is Universally Covered?

There are three basic kinds of major medical plans. In relation to its comprehensive coverage, consumers hold the collection of first dollar coverage or standard coverage. Alternatively, consumers may elect only supplemental major medical plans. These plans only cover a portion of medical expenses after certain limits are met. However, regardless of form of major medical plan, there are a few expenses which can be, in most cases, universally covered. The following list is neither definitive nor all-inclusive. Instead, their email list is meant as a general rule of thumb guideline in regards to what you can expect to be covered for just your policy.

1. Hospital expenses

These include necessary er care, inpatient services, intensive services for example cardiac care or ICU, medicinal supplies and medications, surgery, emergency transportation services, and doctor’s care during the hospital.

2. Doctor’s care outside of hospitalizations

These services include preventative care, sick visits, regular check-ups, and lab tests. Also included are specialists such as physical therapists, orthopedic doctors and surgeons, and also anesthesiologists and radiologists.

3. Nursing care

Nursing care encompasses services provided both inpatient and outpatient. Included in most major medical plans are private duty nurses, home healthcare service providers, convalescent care, and an elderly care facility care.

4. Auxiliary services

Additional medical expenses including prescription drugs, casts, splints, prosthetic devices, crutches, durable medical equipment including wheelchairs or hospital beds, plus some adaptive items are commonly covered within standard medical insurance plan.

While these covered expenses vary regarding limitations from one insurance company to another location, generally all major medical plans cover these routine medical expenses. One provider may limit the amount of emergency transportation calls they’ll cover in the year or so. Another provider may cover the price of prosthetic devices with a sliding scale, paying 100% on devices to a …

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Major Medical Plans – A Broader Range of Coverage

Major Medical Plans - A Broader Range of Coverage

Major medical plans would be the most comprehensive of health care insurance options. These plans offer the broadest coverage along with the highest benefits per individual. Being included in this type of insurance plan offers benefit most medical expenses from routine office visits to hospitalizations and prescription drugs. Included with many plans is additional coverage for eye and dental care, along with standard health care coverage. Once deductible requirement are met, major medical health care insurance pays between 80-100% of covered care expenses, prescriptions, surgical procedures, and hospital stays. These plans also cover ongoing and lifelong health conditions for example Alzheimer’s, Crohn’s disease, diabetes, heart problems, and others.

There are two main types of major medical plans, those being comprehensive and supplemental. Comprehensive policies can further be split up into first dollar plans and non-first dollar plans. A first dollar health plan pays benefits when expenses are incurred. For example, plans that pay 80% of preventative care appointments without requiring participants to fulfill deductibles first would be considered the first dollar plan. Other plans, considered non-first dollar plans, require deductibles to become satisfied first, prior to any benefits being paid on any covered expense. Each plan has different limitations on benefit amounts, different deductible requirements, and differences in co-pay responsibilities for participants.

Supplemental major medical plans are meant to help with gaps in coverage of traditional medical health insurance plans. For example, a regular or basic policy might cover medical expenses to a certain amount without having deductible. However, after the limit is reached, a simple plan may possibly cover 70, 75, or 80% of further expenses. A supplemental plan would assist to cover this additional expense when the limits for the basic plan are reached. Both comprehensive and supplemental policies have lifetime benefit limits, which could prove hard for …

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Health Insurance – Actual Insurance Policies Vs Discount Packages

Health Insurance - Actual Insurance Policies Vs Discount Packages

Many people who shop for health insurance don’t know what is the difference between a health insurance policy and a discount package. Fortunately, there are many ways to differentiate and find the best solution for your health care needs. It doesn’t matter what type of plan you choose, as long as you can find what you need and get the protection you deserve. The following is a brief overview of insurance policies and discount packages to help you better understand their differences.

A health insurance policy is the actual health insurance

These policies will offer you certain coverage limits, various types of coverage, and you will pay a monthly premium based on the level of risk of your insurance. These policies are the most common, but they are also very expensive in many cases. Insurance policy comes with deductibles, which are out-of-pocket expenses that you must pay before you can get the coverage you pay for. All in all, these are the most common forms of health insurance but they are clearly not the only option.

Health discount packages

Health discount packages are membership programs that work like grocery store discount cards. You register and pay a monthly price (usually between $ 20 and $ 50 for a basic discount), and then you get a discount on the medical services you need. You might save 20% from the doctor’s office, a $ 50 discount from your urgent care costs, or something similar. Instead of having insurance cover costs, you only get a discount on your most common medical services. There are various levels of discount plans to choose from, including plans that offer better discounts for more money. What you choose will be up to you.

Determine which is best for your needs

Now that you understand a little about …

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Health Insurance – Affordable Coverage – How to Get It Your Way

Health Insurance - Affordable Coverage - How to Get It Your Way

If you are in a situation right now where you know that you need health insurance and you are not having it provided by your employer, then you are going to want to begin shopping around. All too often what people will do is go for the first name that comes to mind. More often than not, the first insurance operator that comes to mind will be a big name. This doesn’t necessarily mean that you cannot get a good plan from this carrier, but it does mean that you are not being a comparison shopper. When you are looking for affordable coverage, you have to use the same logic that you would use shopping for any product or service. You have to compare prices.

Health Insurance

This might make sense, but if you are like most people, the idea of spending hours upon hours of looking at insurance plans and getting quotes probably doesn’t sound all too appealing. Even if it means that you will be getting affordable coverage, you still want nothing to do with this process. Here is the good news about shopping for health care coverage in today’s society. The old ways of going to an agent or broker are no longer the way it’s done. Some people will spend hours in the office getting offers, but this is certainly not recommended.

Affordable coverage

If you are serious about getting affordable coverage, you need to use the internet. If you didn’t even know that you could shop for health insurance online then you are not alone. You may have logged on just to get a few tips. You can actually use the internet in the place of a broker. By using the internet, you are the one in control. You can get as many quotes as …

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Florida Healthy Kids Program – Helping Families Stay Healthy

Florida Healthy Kids Program - Helping Families Stay Healthy

The rise of children who are uninsured is rising in the state of Florida. This is why the Florida Healthy Kids program is now in effect. If your child is from age 5 to age 18, they could possibly be covered with this great program. Healthy Kids is not only for those families with low income, but for any family who is having a difficult time insuring the children in their family. To get started all you need to do is call them or go online to their website and fill out the application. From there you will be contacted by a representative within a few weeks and they will inform you of the assistance that the children of your family are eligible for.

With the Florida Healthy Kids program, there are multiple payment options. The first is for low income families who are approved for the no premium (amount paid to have insurance) option. This means that no money will be sent directly to the state for your child to maintain health insurance. However, you may have to pay some low cost fees (co-pay) when you visit the doctor or hospital. Another option is for families who can afford to pay fifteen or twenty dollars a month. Your representative will work with you on which of the two suits your family according to your income.

Finally, some families need their children covered with insurance, but their job will not cover it or it is too expensive to purchase from a private insurance company. The full-pay option may be suitable for you. With this selection you will pay a low premium to the Healthy Kids program on a monthly basis to maintain coverage. Both the partial pay and full pay options may have co-pays or fees charged for emergency services, …

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