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In the United States, citizens are not given free or low cost government subsidized medical coverage as a component of their basic rights. Rather, health insurance plans are purchased on the free market by the individual, a professional organization, an employer or paid into throughout the individual's life and supplied during retirement. Nevertheless, the cost of medical care is high. Having such a policy is one of the most important ways to protect your well-being.
Health insurance is a type of policy that provides coverage for medical care. These policies range significantly from one to the next. However, most provide for doctor's visits, hospital stays and other services necessary to either prevent or treat a condition, injury or disease. These policies are paid into by the policyholder or his or her employer in most cases. Then, when the individual needs to seek out medical care, he or she can use the policy to reduce the costs associated with the service.
The use of health insurance is nearly always necessary simply because medical treatment is very expensive. Consider the following types of coverage most policies offer. Keep in mind that some policies do not provide all of these protections:
• Coverage so you can see a doctor when you would like to do so - some policies require you to see a specific doctor who is included in a group of approved providers.
• Coverage to allow you to go to the emergency room in the case of an accident.
• Protection for medical testing services, sometimes with the requirement for pre-approval from the insurer.
• Coverage for hospital stays, surgeries and long-term treatments for chronic conditions.
• A reduction or complete coverage for prescription medication.
• Help for therapy, including physical and mental care.
• Some policies also provide for vision and dental care.
In most cases, the individual will need to pay a deductible for the service. A deductible is a pre-set amount of money the policyholder must pay prior to the insurer paying the remaining portion of the bill. Most deductibles are annual, meaning they renew each year. Additionally, a co-pay may be necessary. This is generally a lower amount of money the individual must pay at the time of the service to get care. This is also pre-set by the policy.
Having a comprehensive plan can provide protection to individuals and families. Most people need to see a doctor from time to time. If you have children, you may need to see a provider for regular checkups and screenings to ensure they are healthy. Adults may face illness, diseases, injuries, or mental health concerns throughout their lifetime.
With this type of insurance, the individual is able to seek out quality care and not have to worry about the very high costs associated with consuming medical services. However, it is a good idea to thoroughly compare plans by using legitimate, reliable, BBB accredited online quote services in order to find the most affordable product available to you. Plans vary significantly, so be sure to read the details carefully so you know exactly what to expect.