Secondly we have other coverage’s such as major medical insurance coverage which provides mostly catastrophic benefits to protect against the major hospital claims. With this type of coverage, premiums tend to become extremely low as compared to other comprehensive insurance plans. We all know that catastrophic benefits will always include coverage for emergency room fees that takes care of both illness and injury, intensive care, room and board, surgeon and facility fees and professional fees of the doctor, including surgeons and nurses as well. Also Chemotherapy, CAT scans and MRIs are also usually a covered expense.Are you still doubting anything about medical insurance then visit Major medical insurance coverage for clarifications
If you are looking for low cost insurance coverage, be aware of the fact that lost catastrophic medical plans do not cover office visits, prescriptions or preventive care. Insurers usually recommend this type of insurance policy for those who are in good health and are not undergoing any medical concern. Here premiums are always hundreds of months less than the conventional comprehensive plan, and over time, the saving can more than offset occasional major claims. On the other hand health insurance for the self employed is often provided by these plans. As already mention this policy is only good for those who are in good health. Comprehensive plans are available, and will offer rich benefits such as unlimited office visits, which are generic and non-generic prescriptions; these are preventive coverage’s with little or no co-pay.
It has been discovered that there exist many affordable comprehensive health plans. To this effect most of the nation’s large carriers do offer medical plans that feature rich coverage, but at very reduce rates. They achieve the low cost by limiting the number the
number of covered office visits they usually take care of two to three visits only, they also try to restrict some of the higher cost non-generic prescription benefits. It should be noted that major medical and preventive coverage usually remain, but the overall premium reduces with the limitation of other coverage.
A health saving account is a tax-favored medical savings account combined with a qualified high deductible health plan. This plan enables you to pay for current medical expenses and also save for future medical and retire health expenses on a tax-free base. A health deductible health plan also cost much less than a regular medical insurance plan. It will be best for you to take the difference in premiums that you are saving and deposit them on health saving account. Note that the actual health saving account is not a policy that you can buy, but rather it is a saving account that you simply deposit money on a tax-preferred base. Also see, Buying cheap major medical insurance coverage for health
Medical Insurance Plan by MBEH LAWRENCE