What is Covered by Health Insurance?
Health insurance is designed to protect individuals from high medical costs. Typically, it covers a wide range of healthcare services, which can be categorized as follows:
- Hospitalization: Costs for inpatient care, including room, meals, and nursing care.
- Outpatient Services: Services that do not require an overnight stay, such as urgent care visits or specialist consultations.
- Preventive Care: Routine check-ups, vaccinations, screenings, and counseling to prevent illness.
- Prescription Drugs: Medications prescribed by healthcare providers, which can vary significantly depending on the plan.
- Mental Health Services: Treatment for mental health conditions, including therapy and counseling.
- Emergency Services: Coverage for emergency room visits and ambulance services.
It's essential to review your specific health insurance policy to understand the limitations, exclusions, and any out-of-pocket costs that may apply. Understanding what is covered enables better health management and financial planning.