by VentureStreet  Join Our Network
What Should Be Covered In a Medical Health plan.
By Brian Vann



What a medical plan covers?

Everyone needs a health insurance plan in case you or your family members need medical treatment due to being sick, accident or injured, and have to go to the doctor or the hospital for medical care or treatment. Here is a summary of some of the benefits a medical plan should cover.

Major Medical (Health) Insurance Plan.

Maximum Lifetime Benefit - As long as you can pay the premiums.

Deductibles - What you have to pay before the insurance pay.

Co-payments - For doctor visits, emergency room services, urgent care facilities, and preventive services.

Inpatient and Outpatient services - Includes x-ray, lab, diagnostic services, mri, ct, cancer treatment, and surgery.

Vision - Every 12 months.

Chiropractic Services - How many visits per year.

Prescription Drug Coverage - Prescription deductibles on preferred generic, formulary brand, and non- formulary.

Out of Network Benefits - Deductible maximum per family, coinsurance maximum per family,

Services - Physician office services, urgent care facilities, inpatient and outpatient hospital services.

This is only a summary of a partial description of coverage and does not detail all benefits, limitations, and exclusions.

Supplemental Insurance Plan.

Having a good supplementary Insurance plan to go along with your major medical insurance plan is a plus to the plan, anytime you have to go to the doctor or hospital for medical treatment its going to cost you money, this is what we call out of pocket expense, your health insurance only pay a percentage of your doctor and hospital bill, supplementary insurance will compliment your health plan, and will help pay what your major medical will not pay.

Supplementary benefits should help pay on your deductibles, co-payments, traveling to the doctor or the hospital, pay if an ambulance have to come to pick you up, pay for a motel room if your family need somewhere to stay if you are in a special hospital out of town, pay you if you are out of work due to a sickness or injury because it effect you and your spouse income.

Wouldn't it be nice to have an additional paycheck coming in along with your regular check from work if you are in the hospital for 1 or 2 weeks, don't think your bills is going to stop because you are in the hospital, and will help with everyday living while you are in the hospital.

Insurance plans to provide you and your loved ones with peace of mind.

Please pass this article on to your friends, neighbors, or your loved ones that you care so much about.



Free Quotes from Health Insurance Agents
Click to Get Quotes
Other articles you may like:
Have You Had Time To Read Your Benefit Plan?
Have you read and understand your insurance plan? Wouldn't it be nice to have a...

Health Care Revisited
United States Health Care System through History

Health Care Reform Timeline
Here is a look at some of the major health care reform provisions that you will see over...

Health Care Reform - What Does It Mean To Consumers
PPACA went into effect Sept. 24, 2010. What does this mean to consumers?

National Health Care Update
Did anyone catch the Health Care Summit last week? Impressive? I'm just not sure. While...

Be the first to find this article helpful.
Free Quotes from Health Insurance Agents
About the Author

Brian Vann, B.D. Benefit Provider
Raleigh, NC 27610
919-410-9523

If you would like to re-print this article, please contact the author.
Other articles you may like:
Online Health Insurance Exchanges
Obamacare, is it the answer or more costly to everyone?

Shopping for Health Insurance? Advantages of Choosing An Independent Florida Insurance Broker
Advantages of Working with an Independent Florida Health Insurance Broker / Agent

Do You Know What Factors Determine the Cost of Health Insurance?
Major factors that determine the cost of health insurance. The cost of health insurance...

What Would You Do If The Unexpected Happens?
What would you do if you feel like giving up? Let me tell you a story about a family...

Do You Know What A Good Benefit Plan Looks Like?
A good benefit plan should include a number of plans that would meet you and your...

Editorial Disclaimer: The views expressed in articles published on this website are those of the authors alone. They do not represent the views or opinions of this website or its staff. The articles on this site do not constitute a recommendation or endorsement with respect to any views, company, or product. Authors affirm that article submissions are their original content or that they have permission to reproduce.

Home   |   Articles & Videos   |   Affiliates   |   Networking Groups   |   Search by Category   |   Professionals

Terms of Use   |   Privacy   |   About Us   |   Contact Us   |   Member Login

© 2003-2014 - VentureStreet, LLC

Join Our Business Network