Four Main Functions of Health Insurance

Having health insurance is very important in our life. Each health insurance provider offers various insurance plans. Understanding what each plan offer and what kind of services they cover is very important. In this article, we will elaborate the four main functions that are commonly covered by health care plans.

Health Care Functions

Some of the things that are usually covered by health insurance are listed below:

  • Pharmaceuticals: most insurance plans cover pharmaceutical treatments if they comes from doctor’s prescriptions. Pharmaceuticals’ deductible can be pretty high sometimes, depending on th insurance plan you have. Pharmacology is considered very critical in modern medicine’s practice. Thus, almost all health insurances arrange provisions for several pharmaceutical usage to the plan holders.
  • Chronic conditions: this type of condition often need continual testing, repeated treatments, and extensive intervention. Health insurance providers will mostly cover the costs related to those medical issues, as long as the condition is not considered a pre-existing one.
  • Emergency care: this type condition include drug overdoses, acute illnesses, sudden injuries, and other unwanted and unexpected medical condition. The coverage for emergency care offered by health care provider is usually more than those coverages for more predictable conditions due to its unexpected nature. Some health insurances also cover ambulance fees.
  • Routine care: unlike other types of conditions, not every health insurance provides coverage for routine care. Its coverage really depends on the insurance plan. Some offers partial coverage while there are also insurance plans that offer complete coverage. Booster shots, vaccines, regular test, physical examinations are some of the routine procedures that are often covered in insurance plans.

Those are several conditions that commonly covered in insurance plans. Make sure to read the offered insurance plan before deciding to take one. Discuss with you provider about which plan that is suitable for your condition.

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