Health Insurance
Health care insurance is expensive, particularly if you're buying it on
your own or if your employer does not contribute to the cost. However,
there are three important reasons why you need it.
- It is a financial safeguard. Without insurance, you run the risk of
being financially wiped out by a serious illness or accident.
- Without the benefits paid by insurance, you may find the cost of
quality health care too high to afford.
- You may even have to go without treatment if you don't have health
insurance.
There is a variety of health care insurance products and coverage plans
available today. And, whether your employer offers a plan or plans from
which you can choose, or you're buying coverage directly, you're probably
aware that health care insurance has a range of costs and benefits.
Consequently, as a consumer of health care insurance, you'll want to
select affordable coverage that's right for you. To help determine the
best coverage, there are several important details about health insurance
with which you'll want to be familiar.
Be sure you know exactly what illnesses and conditions are covered. Once
you select a policy, you will make a monthly payment, called a premium, in
exchange for coverage. Typically, payments are made directly to the
insurer; some employers provide for payroll deduction. In exchange for
your premium dollars, insurance policies commonly pay for all or a portion
of the following:
- Hospitalization
- Medical tests and X-rays
- Surgery
- Maternity care
- Pediatric care
- Doctor's office visits
Conditions and treatments that are often excluded from coverage
include the following:
- Cosmetic surgery, except after a disfiguring accident or surgery
- Hearing aids
- Eyeglasses
- Dental care
- Preventive care, such as mammograms, immunizations or well-baby
care
- Experimental care or treatments not recognized as necessary by the
medical establishment. However, some major insurers are starting to
include coverage for alternative therapies such as chiropractic,
diet and nutritional programs, and acupuncture.
For more information please call (281) 955-9540 or e-mail
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