Simply put, medical insurance helps you pay for health care needs other than dental and vision care. For a fixed monthly fee (premium), you are entitled to specific health care services, usually including regular checkups and other services that promote general health, as well as emergency care for injuries and illness. Most providers offer a variety of plans, with optional benefits and riders to tailor your coverage to meet your health risk profile. For example, if you know you are healthy and at low risk for health issues, you might choose a higher deductible with lower premiums. The following are some of the more common options individuals choose to cover healthcare costs for themselves and their family.
High Deductible: Costs for routine health care expenses are paid for by the insured, keeping premium costs low.
Short Term Medical: Designed to fill gaps in insurance coverage during times of transition and change.
Student Coverage: Essential medical-care coverage for students.
Medical Insurance Plan Types
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