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Types of Health Insurance and Who it Benefits

Published by in Blog on September 20th, 2012

There are many types of health insurance for people to chose from. You have basic plans that usually includes the everyday costs of medical treatments; like hospital stays, surgeries and emergency treatment. In most instances, these plans pay one hundred percent of cost; however, there could be a payment limit. This leaves the individual to cover the balance.

You also have major medical plans which cover a broader range of service, including those incurred both in and out of the hospital. This plan usually covers hospital stays, surgeries, emergency treatment, prescriptions, x-rays, lab test, dental and mental health services. There could be deductibles and out of pocket expenses. The dollar limit of total payments is higher than a basic plan.

If your an individual that suffers from prescription drug addiction, reviewing a plan that covers treatment for prescription drug addiction, will be very important. There are several plans out there that will cover this and get you the help you need.

Nowadays, addiction specialists who treat opiate dependency, can be found very easily. Other addicting drugs like crack, cocaine, meth, are also very treatable if the person is willing to get the help they need. Many insurance plans either cover these types of treatment or at least cover a certain percentage.

For those who have cancer or a serious illness that needs attention, there are many plans out there that cover the cost of specialists and weekly treatments. You also have hmo and ppo plans available. Some people like to pay copays and others would rather have a smaller deductible and have their insurance carrier pay 80% of all costs.

Whether a person has drug dependency or needs to be treated for a disease, reviewing the many types of health insurance plans out there is a must. Be sure to review them completely so your plan fits your needs and gets you the help you need at the right prices.

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