What Are the Medical Benefits Offered By My Health Insurance Policy?

Health insurance covers

With the ever-rising cost of medical services, health insurance is necessary for medical emergencies to cover hospital bills and other costs. Generally, health insurance covers some basic medical needs and is less accommodating of others. Let’s take a look at general health insurance services and the common exclusions.

Here are some of the common covered benefits offered by health, also known as medical benefits:

  • Ambulance charges
  • Hospital admissions and surgeries
  • Pre-birth, maternity, and after-birth care
  • Psychological health and substance abuse treatment which includes counseling

and therapy sessions

  • Prescription drugs
  • Rehabilitative services including center fees and cost of equipment to regain motor and mental skills after surviving a chronic illness
  • Laboratory charges for tests and check-ups
  • Disease prevention and management services
  • Dental and ophthalmology care for children
  • Emergency services

There are other specific provisions for different categories of people. Health insurance for adults includes:

  • Abdominal aortic aneurysm screening for older men that are ex-smokers
  • Alcohol abuse test
  • Aspirin prescription for the middle-aged
  • Blood pressure test
  • Cholesterol level screening and treatment for adults aged fifty to seventy-five
  • Screening for colorectal cancer for the elderly
  • Test for symptoms of depression
  • Type 2 diabetes screening for obese elderly aged forty to seventy years of age
  • Food (diet) plan and counseling for elderly
  • Hepatitis B and C screening
  • Human Immunodeficiency (HIV) test
  • Immunization vaccination
  • Lung cancer test for elderly aged fifty-five to eighty and are ex-smokers
  • STIs prevention and counseling services
  • Obesity screening
  • Tuberculosis test

Women enjoy a myriad of health insurance covered services. They include:

  • Infant care services including counseling sessions
  • Birth control services
  • Low blood count test (anemia)
  • Folic acid supplements
  • Gonorrhea test for sexually active women
  • Hepatitis B test for pregnant women
  • UTIs and STIs test
  • High Blood pressure screening
  • RH incompatibility test
  • Tobacco use screening and treatment services
  • Breast cancer screening every one or two years for women aged forty and above and counseling sessions
  • Pap smear or cervical cancer screening every three years aged between twenty-one and sixty-five
  • High blood sugar test
  • Human Immunodeficiency Virus (HIV) test
  • Osteoporosis screening
  • Well-woman visits, which includes a full check up on the reproductive health

Due to expensive medical bills and charges, insurance companies have various payment plans to split the cost like co-payment, co-insurance, and deductibles. Deductibles are paid each year to the insurer before the policy kicks off. However, after payment, some carriers may require you to pay co-insurance or co-pays. Co-pay is a fixed amount you pay for each medical bill, while co-insurance is a set percentage that you must pay for specific services.

Health insurance covers a vast range of medical expenses. However, your doctor may recommend treatment that falls outside the scope of your coverage. In which case, you will be required to foot the bills. Most insurance companies do not provide cosmetic and beauty procedures coverage and are often hesitant to cover new technology, especially when the benefit is unequal to the cost.

It is advisable to enquire about the details of your health policy before buying. At Ron Young Insurance, we provide affordable and comprehensive coverage to protect against emergency medical expenses. Serving Burbank and neighboring cities, contact us for the insurance assistance that you need.

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