What is Included And Excluded in Health Insurance Plans
Reader’s Question:
I understand very little about health insurance policies, and I constantly feel in the dark. I do not even have a clear idea of what might not be included, and this worries me. I’ve just always thought that health care insurance policies would save me from exorbitant medical expenses! Can you explain some of the limitations of a health insurance policy? I live in Louisiana.
Joy
New Orleans, LA
If you think that your health care plan includes every medical cost you might have in the future, you’re up for a surprise. Mostly, a very good health insurance plan means that you will only need to pay for a minimal amount, but certainly there are limitations to what is covered. Here are some exclusions to your health care policy.
First of these are pre-existing conditions. Many health insurance companies are reluctant to shoulder the cost of those medical conditions that you already had before you bought the health insurance policy. Insurers generally have an exclusion period of about 6 months; The state of Louisiana allows this period to be as long as one year. This means you cannot get coverage for pre-existing conditions within the first 6 or 12 months, depending on your contract.
Another is drug abuse. This exclusion assumes that you have inflicted the problem upon yourself. So, in the same way, attempts at committing suicide are excluded. So is alcoholism.
Mental illness–especially if it has already manifested before the start of your contract– will not be covered, as well. So, your psychiatric care will not be paid for by the health insurance company. The same goes for any treatment for learning and behavioral problems.
Cosmetic surgery is not vital to life or living, so looking more beautiful is something you will have to spend for on your own. Most medical procedures considered to be preventive are part of the exclusions, too. So are dental and eye care.
Of course, the best advice I could give is for you to make sure that you read your contract with any insurer very carefully and ask your health insurance company the questions that boggle you.
Tags: Health Care, health insurance, insurance
Prescription Drug Coverage With Major Medical Policy
Reader’s Question:
I reside here in Westminster, Colorado, and the reason why I wrote is to ask if I still have to get prescription drug coverage even though I am already carrying major medical coverage.
Amber
Westminster, CO
The answer to your question is just simple. Why don’t you try to carefully read your policy in order for you to know which things it actually covers? For your information, major medical policies usually include prescription drug coverage. But it still depends on the company that holds your health insurance.
Now, if your major medical coverage does have prescription drug coverage, you still have to check if the coverage satisfies all your needs. In case you do not know, there are two available kinds of major medical coverage, which are supplemental and comprehensive major medical coverage.
With supplemental major medical coverage, you have to buy a basic health insurance plan. Then, you will first have to exhaust this plan before you are able to enjoy the supplemental major medical coverage. The only thing is that supplemental major medical coverage is another policy altogether, and typically it does not pay for things like basic visits to the doctor.
On the other hand, comprehensive major medical policy is a full-proof kind of major medical plan because it pays for almost every kind of expense, such as hospital expense, surgical expense, physician’s expense and other major medical expenses. But be reminded that the provisions of these medical policies still vary from company to company.
So, after knowing all these, I still suggest that you read your policy, or just contact your health insurance provider there in Colorado.
Tags: Health Care, health insurance
How To Get Health Insurance Discounts in New York
How can I get a discount with my health insurance in New York?
Tommy
Yonkers, NY
Since we all get sick and hurt sometimes, health insurance can be very important to us. But health insurance does not come in cheap so here are the things you can do to save on your health insurance:
1. Many employers provide group health insurance for their employees. Often group health insurance, offers good service with affordable prices. Your family can be eligible as well with this group health insurance.
2. Smokers pay higher insurance rates than non smokers so if you can, stop smoking.
3. If you are shopping for health insurance you should compare the different insurance quotes you get. Compare prices and features that are offered by this insurance companies.
4. The higher the deductible the less you have to pay on your premium. This is the best choice if you are only buying life insurance for yourself.
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