What Do Health Insurance Policies Cover?

Your health insurance coverage can vary based on your specific needs and how the policy is structured. Generally, it includes the following types of coverage:

• Preventive Care
  Covers routine check-ups, immunizations, screenings, and wellness visits aimed at preventing illness before it starts.

• Doctor Visits (Outpatient Services)
  Includes visits to primary care doctors and specialists for evaluation, diagnosis, and treatment that don’t require a hospital stay.

• Hospitalization
  Covers expenses related to being admitted to a hospital, including surgery, room and board, and inpatient treatments.

• Emergency Services
  Pays for emergency room visits and ambulance services needed for sudden or severe medical conditions.

• Prescription Drugs
  Helps cover the cost of medications prescribed by your healthcare provider, often with a formulary and co-pay system.

• Maternity and Newborn Care
  Covers care during pregnancy, childbirth, and postnatal treatment for both the parent and newborn.

• Mental Health and Substance Use Services
  Includes counseling, therapy, inpatient mental health care, and treatment for substance use disorders.

• Rehabilitation and Therapy Services
  Covers services like physical therapy, occupational therapy, and speech therapy to aid recovery after injury or illness.

• Pediatric Services
  Ensures coverage for children’s healthcare needs, including dental and vision care in many plans.

How Much Does This Cost?

The cost of health insurance depends on several factors, including your age, health status, lifestyle, location, and the type of plan you choose. Younger, healthier individuals typically pay lower premiums, while tobacco use or pre-existing conditions may increase costs. Plans with lower deductibles and more comprehensive coverage generally have higher premiums, while higher deductibles can help reduce your monthly payments. Your location may also affect pricing due to regional differences in healthcare costs and provider availability.