Best health insurance options to consider
What should be covered on your individual health insurance plan? This is a tricky question because lots of insurance companies are now reviewing their budgets and are adding more coverage that are excluded from the health insurance plans. This can be rather distressing hence the importance of you taking a closer look at what your insurance policy covers and what it should cover.
In some insurance companies, the exclusion lists are long. Those who need health insurance should take a look at which health insurance companies include the following coverage:
Preventive care includes routine immunization but more often than not, health insurance companies do not cover for the cost of vaccines –you are lucky if your insurer covers this cost. If you find an insurer that does this then it is a good call to choose that particular company over others. Preventive care also covers physical exams, complete blood count, fecalysis, urinalysis, chest x-ray, electrocardiogram, and pap smear for females.
Your insurance should cover necessary consultations with your physicians. This should include eye, nose, throat, and nose consultation as well as treatment of minor illnesses and injuries.
In patient care should also be included in your healthcare plan. This will cover for room and board accommodation in case you get sick and need to be hospitalized and should also cover for the professional fees of your doctors as well as cover for the operating room if it needs to be used. Your hospitalization benefits should also pay for your anesthesia if needed, your laboratory tests, all your medicines, your admission kit, your plaster casts, dressings and other items that are needed for your medical management. If you need to be in the Intensive Care Unit, your insurer should also cover for this one but you should take a look at the exclusions on this part of the coverage because there are some insurers take into consideration certain pre-existing conditions when it comes to the use of the ICU. Your hospitalization benefits should also cover ambulance service and other hospital charges.
More often than not, most insurers do not include dental care but you should look for a healthcare plan that provides this for you and your family. Dental services are usually very expensive so be sure to have this additional benefit in your plan. Other benefits should also include the latest modalities of treatment i.e. lithotripsy, heart surgery, transurethral microwave therapy, dialysis and other procedures.