Health Expense Coverage
1.1.1 Health Expense Coverage
Health expense coverage can be included by basic health insurance, major medical insurance, and miscellaneous coverage. Basic health insurance has less cost-sharing provisions and it can be known as three parts: hospital insurance, surgical insurance, and regular medical expense insurance.
1) Hospital insurance is one of health insurance plan that offering restriction coverage for hospital confinement due to illness, accidents, and intensive care of convalescence. Hospital insurance provides compensation for such necessary hospitalization expenses, such as room and board during hospitalizing, laboratory fees, nursing care, use of the operating room, and certain medicines and supplies. Since these costs increase …show more content…
It also generally has major deductibles and co-insurance provisions. Some major medical insurance has been designed to be coordinated with the basic underlying health insurance, but other major medical insurance is designed to replace basic health coverage and to cover all medical bills.
Miscellaneous coverage covers a variety of risks, and it can be known as three parts: dental insurance, long term care insurance, and other health expense insurance.
1) Dental insurance is one form of health expense coverage that pays for treatment associated with dental care. Most policies have relatively low annual limits and additional limitation of coverage through the use of fees for various dental procedures.
2) Long term care insurance is one form of health expense coverage that covers the costs of nursing homes, assisted living, and home health services. Some policies only cover the insured mentioned, while others also cover the spouse of the insured mentioned. Most policies offer a maximum daily allowance and an overall limit on the number of days for which the benefit is paid, but some policies contain no overall limit. Many policies have options which offer the benefits for adult day care, home health care, and other forms of support that may be required of people in old
Health expense coverage can be included by basic health insurance, major medical insurance, and miscellaneous coverage. Basic health insurance has less cost-sharing provisions and it can be known as three parts: hospital insurance, surgical insurance, and regular medical expense insurance.
1) Hospital insurance is one of health insurance plan that offering restriction coverage for hospital confinement due to illness, accidents, and intensive care of convalescence. Hospital insurance provides compensation for such necessary hospitalization expenses, such as room and board during hospitalizing, laboratory fees, nursing care, use of the operating room, and certain medicines and supplies. Since these costs increase …show more content…
It also generally has major deductibles and co-insurance provisions. Some major medical insurance has been designed to be coordinated with the basic underlying health insurance, but other major medical insurance is designed to replace basic health coverage and to cover all medical bills.
Miscellaneous coverage covers a variety of risks, and it can be known as three parts: dental insurance, long term care insurance, and other health expense insurance.
1) Dental insurance is one form of health expense coverage that pays for treatment associated with dental care. Most policies have relatively low annual limits and additional limitation of coverage through the use of fees for various dental procedures.
2) Long term care insurance is one form of health expense coverage that covers the costs of nursing homes, assisted living, and home health services. Some policies only cover the insured mentioned, while others also cover the spouse of the insured mentioned. Most policies offer a maximum daily allowance and an overall limit on the number of days for which the benefit is paid, but some policies contain no overall limit. Many policies have options which offer the benefits for adult day care, home health care, and other forms of support that may be required of people in old