Health insurance cover is a written agreement between you and the insurance provider. Under your policy, there is a list of medical benefits like drugs, tests, and treatments. The insurance provider agrees to cover services under a payment plan. In your policy, listed are the services not covered under your policy and you will have to pay for those services yourself.
How to know the services covered for under insurance plan
If you already have an insurance plan and you are not certain about the services you are covered for in your policy, then you need to review your insurance and update where necessary. You should also have a chance to draw a comparison with other plans available through the health insurance marketplace which helps its clients shop around and compare health insurance plans. You should look at health anddiet product reviewsfor different plans to know what other people are saying and what product has majority recommendations to inspire you while choosing a plan. The health insurance market place is operated by the federal government to ensure better health for all.
Must-have insurance benefits
Most insurance plans cover most preventive options at no extra cost to you which may include health shots and screenings. If you buy an insurance cover through a market place, you are assured that it covers most of the preventive services. The following are some of the essential services provided by the federal government;
- Outpatient services you receive in a hospital without admission to a hospital
- Emergency services
- Hospitalization which may include surgery services
- Maternity and newborn baby care, this covers the care of the baby before and after it is born
- Mental health and substance use disorders, which include behavioral health services such as psychological therapy and counseling
- Prescription drugs
- Rehabilitative and habilitative health services and devices for persons with chronic health conditions and injuries to enable them to gain their strength and skills.
- Laboratory services
- Preventive and wellness services
- Pediatric services
And much more…
Preventive services can disease or help you prevent illnesses. Some of these services depend on age, medical history, blood pressure, cervical cancer screening, HIV screening, and others.
Medical benefits and medical necessity
A medical benefit is different from medical necessity. Your doctor will determine medical necessity while the medical benefit is what your insurance company has agreed to cover. Insurance companies determine what drugs to cover and their medication. If your doctor is likely to understand your insurance plans and determine what covered services are recommended and what are not and how best to provide care services covered under a plan. If you are in doubt about the coverage; ask the insurance company to send down somebody who understands insurance plans and let them explain to your thoroughly. Remember it is the insurance company to determine what they should cover and what not to cover. If your doctor recommends for health services not captured in the policy, your insurance company will deny the claim and you will have to pay for those services yourself.