Health Insurance Innovations: How Health Insurance Protects Your Health and Finances
Obviously, no one plans to meet any accident or get sick, but most people need to seek medical care at some point. For several reasons, having health insurance is an important aspect of anybody’s life. There are many people who are still uninsured and most of the time they receive less timely care, lower quality of medical care, and result in worst outcomes, along with the financial burden for them and their families. Most health insurance have expanded coverage that outweighs the costs for additional services and benefits. Clinics and hospitals have safety-net care which can improve access to healthcare, but it does not fully substitute health insurance. Health insurance coverage usually covers hospitalization, laboratory examination, emergency cases, and many other medical and even dental procedures.
Health insurance usually cover essential health benefits which are critical in maintaining health and treatment of illness and accidents. Health insurance gives you protection from unexpected, high medical bills. Even before you meet your deductible, you pay less for covered in-network health care. The same is true with preventive health care, before you meet your deductible, you also get free preventive healthcare such as check-ups, screenings, and vaccines. Every health plan must cover ambulatory patient services, emergency services, hospitalization, pregnancy, maternity care and newborn care, mental health and substance use, counseling and psychotherapy, prescription drugs, rehabilitative devices, laboratory services, preventive and wellness services, and pediatric services. Additional coverage of health insurance depends on state requirements, and these additional benefits include dental coverage, breastfeeding coverage, birth and control coverage, vision coverage, and medical management programs.
Bear in mind that no insurance plan should reject you, overcharge you or refuse to pay for essential health benefits for any health condition you had before your coverage began. Once you are enrolled, insurance plans cannot deny you health coverage or raise your rates basing only on your health. The preventive services covered by health insurance plans for children include autism screening, developmental screening, alcohol and drug use assessments, hearing screening, immunization vaccines, iron supplements, obesity screening, oral health risk assessment, and vision screening. Several preventive healthcare benefits include immunization vaccines, blood pressure screening, cholesterol screening, hepatitis C screening, hepatitis B screening, diet counseling, HIV screening, diabetes type 2 screening, lung cancer screening, syphilis screening, obesity screening and counseling, depression screening, and colorectal cancer screening.
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Once you are enrolled in healthcare plan and your coverage has started, you can use it to help cover the medical costs for healthcare services such as filling a prescription at the pharmacy, going to the doctor or getting emergency care. To know more about basic and expanded health coverage, you can talk to us by visiting our website or by contacting us directly.Case Study: My Experience With Services