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Basic Medical Services You Want Covered
You probably already have some idea about which services you'd like your medical insurance to cover. But even if your list of requirements is short, don't assume that all policies will cover it.
Assess which benefits are the most important to you now.
The basic health care services
The largest deciding factor when it comes to your health care is the type of policy you purchase. Indemnity, HMO, PPO and POS medical insurance plans all have different coverage priorities. Some of these include:
- Doctor Visits
- Preventative Care
- Diagnostic Tests
- Hospital and Extended Care
- Emergency
- Prescription Drugs
- Home Health Care
A really good medical insurance policy should include all these critical areas of coverage. However, a really good medical insurance policy is also really expensive. You'll probably need to prioritize.
By doing this flexibility in a plan makes up for its lack of coverage in one area by covering services you find essential to your health care, you might be able to overlook its deficiency.
Additional health care benefits
Depending on how much you want to pay or what your family health history is, you might want to include other, less common, areas in your medical insurance coverage. Some of these "extra" coverage areas might include:
- Dental Insurance
- Vision Care
- Care by Specialists
- Care for Mental Health
- Services for Drug/Alcohol Abuse
- Family Planning Services, OB-GYN
- Chronic Disease Care
- Physical Therapy
- Nursing Home and Hospice Care
- Chiropractic Care
- Maternity Care
- Well Baby Care (immunizations, etc.)
One last protection
One additional policy provision for your protection is the "out-of-pocket maximum". This limits the total amount per year you'll have to pay before your medical insurance company compensates you for 100% of your health care costs. This protection is especially important in case of serious illness.
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