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Below
is a list of low-cost medical coverage topics that will be covered on
this page.
Low-cost
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Low-cost medical coverage
Most
Americans get low-cost medical coverage through their jobs or are covered
because a family member has insurance at work. This is called group
insurance. Group insurance is generally the least expensive kind. In
many cases, the employer pays part or all of the low-cost medical coverage
cost. Some employers offer only one health insurance plan. Some offer
a choice of plans: a fee-for-service plan, a health maintenance organization
(HMO), or a preferred provider organization (PPO).
Low-cost medical coverage
information
Choosing
the right low-cost medical coverage is like making any other major purchase:
You choose the plan that meets both your needs and your budget. For
most people, this means deciding which plan is worth the cost. For example,
low-cost plans that allow you the most choices in doctors and hospitals
also tend to cost more than low-cost plans that limit choices. Plans
that help to manage the care you receive usually cost you less, but
you give up some freedom of choice. Cost isn't the only thing to consider
when buying health insurance. You also need to consider what benefits
are covered. You need to compare plans carefully for both cost and coverage.
Low-cost medical coverage
Some services are limited or not covered at all. You need to check on preventive health care coverage such as immunizations and well-child care.
There are two kinds of fee-for-service coverage: basic and major medical. Basic protection pays toward the costs of a hospital room and care while you are in the hospital. It covers some hospital services and supplies, such as x-rays and prescribed medicine. Basic coverage also pays toward the cost of surgery, whether it is performed in or out of the hospital, and for some doctor visits. Major medical insurance takes over where your basic coverage leaves off. It covers the cost of long, high-cost illnesses or injuries.
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Low-cost
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