Health Insurance

What’s Covered?

Coverage depends on your specific policy, but most health plans cover a wide range of medical services, including emergency care and standard doctor visits.

All health insurance policies are required to cover the following ten health services:

• Preventative Care
• Outpatient Care
• Prescriptions
• Emergency Care
• Rehabilitation Services
• Hospitalizations
• Lab Services
• Pediatric Care
• Maternity Services
• Mental Health Care Services 

Depending on your plan, you’ll be able to access additional healthcare services, such as telemedicine services. Most policies don’t cover anything considered unnecessary, including cosmetic procedures and fertility treatments.

Additional Coverage

There are several supplemental coverages that can be added to your health plan to provide more comprehensive coverage, including:

• Vision Insurance
• Dental Insurance
• Catastrophic Health Insurance
• Short-Term Health Insurance 

Depending on your needs, you may or may not benefit from adding additional coverages to your existing health insurance policy.

How Much Does Health Insurance Cost?

The cost of health insurance depends on several important factors, including:

• Age
• Location
• Dependents
• Tobacco Usage
• Deductible
• Copay
• Coinsurance

Deductible, Copay, and Coinsurance Defined

View the definitions for these important terms: 

• Your deductible is the amount you pay out of pocket before your insurance begins paying for coverage.
• Copays are amounts you have to pay for certain types of coverage, regardless of whether your deductible has been met.
• Coinsurance is the portion of your medical bills you have to pay after meeting your deductible.