|
|
Below
is a list of major medical coverage topics that will be covered on
this page.
Major medical
coverage
Major medical
Insurance Plans
Coverage
Quotes
Home
Sitemap
Contact Us
|
|
Major medical coverage
If your
employer does not offer group insurance, or if the insurance offered
is very limited, you can buy an individual major medical coverage.
You can get fee for service, HMO, or PPO protection. But you should
compare your major medical coverage options and shop carefully because
coverage and costs vary from company to company. Individual plans may
not offer benefits as broad as those in group plans. If you get a non-cancellable
policy then you will receive individual insurance under that policy
as long as you keep paying the monthly premium. The insurance company
can raise the cost, but cannot cancel your coverage. Many companies
now offer a conditionally major medical coverage. This means that
the insurance company can cancel all policies like yours, not just yours.
This protects you from being singled out. But it doesn't protect you
from losing coverage.
Major medical coverage
information
Major medical
coverage. 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. Major medical coverage
should cover 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.
Some major medical policies combine basic and major medical coverage
into one plan. This is sometimes called a "comprehensive plan."
Check yourmajor medical coverageto make sure you have both kinds
of protection.
Major medical coverage
Most insurance plans will pay only what they call a reasonable and customary fee for a particular service. If your doctor charges $1,000 for a hernia repair while most doctors in your area charge only $600, you will be billed for the $400 difference. This is in addition to the deductible and coinsurance you would be expected to pay. To avoid this additional cost, ask your doctor to accept your insurance company's payment as full payment. Or shop around to find a doctor who will. Otherwise you will have to pay the rest yourself.
|
Major medical
coverage services offer you new faster insurance quotes, major medical
insurance plans and information.
|
