Health insurance (also called health insurance or health insurance) helps you pay for medical care. All health insurance plans are different. Each plan costs a special amount of cash and covers different services for you and your relations.
When choosing your insurance plan, take the time to think about your family's medical needs for the next year. Then compare the plans to find the one that's right for you. The health insurance market in your state provides summaries of health insurance plans and information for you and your children. This is an online resource created by the Low Price Health Act that helps you find and compare your state's health plans.
Each plan on the market contains a summary of what is covered for you and your family. Each plan uses the same summary form, which makes it easier to compare costs and services. How do you know how much a health plan costs?
When comparing health insurance plans, consider these costs to decide if the plan is right for you:
Super is the amount of money you pay for insurance each month.
Deductible This is the amount you need to spend before the plan starts paying for your medical care. For example, if you have a $ 500 deductible, you will need to spend $ 500 on medical care before your plan is profitable. Your deductible does not include your premium.
Co-payment (also called co-payment). This is the amount of money you pay for each health service, e.g. B. A visit to a health professional.
Maximum costs or expenses. This is the highest amount you would have to pay for health services each year. You do not have to pay more than this amount, even if the services you need are more expensive.
What health services are covered by insurance?
The Low Price Health Act (also called ACA) states that insurance plans must cover certain benefits that you may need if you are pregnant, planning to become pregnant, or if you have a new mother:
Regular health checks. These tests are very important before you get pregnant to make sure you are healthy when you get pregnant.
Prenatal care is the medical aid you receive during pregnancy. These benefits apply to pregnant women.
Take care of healthy babies and children. These are tests your child will receive when he is not sick. These benefits apply to babies and children.
When you start a family, think about the medical needs you and your family may have. When choosing an insurance plan, make sure the care you need is covered. In the online market, you can discover the benefits of each health plan.
Does health insurance cover prescriptions?
All plans must cover revenues, but each plan covers them differently. A prescription is a prescription for medication managed by a healthcare professional. If you are using prescription drugs, you can use the online marketplace to find out which prescriptions are covered by each health plan.