What is Health Insurance?
Health insurance is a type of insurance that covers medical expenses that arise due to an illness. These expenses could be related to hospitalization costs, cost of medicines or doctor consultation fees.
What does the plan cover?
One of the things health care reform has done in the U.S. (under the Affordable Care Act) is to introduce more standardization to insurance plan benefits. Before such standardization, the benefits offered varied drastically from plan to plan. For example, some plans covered prescriptions, others did not. Now, plans in the U.S. are required to offer a number of “essential health benefits” which include
● Emergencyservices
● Hospitalization
● Laboratory tests
● Maternity and newborn care
● Mentalhealth and substance-abuse treatment
● Outpatient care (doctors and other services you receive outside of a hospital)
● Pediatric services, including dental and vision care
● Prescription drugs
● Preventive services (e.g., some immunizations) and management of chronic diseases
● Rehabilitation services
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