Health insurance is an important insurance which covers a portion or the entire risk of an individual incurring medical costs, distributing the risk amongst several persons. A health insurance policy will cover expenses for medical services like hospitals, doctors, dentists, physiotherapists, surgeons, nurses and any other service provider who might be called upon. Most health insurances also cover disability income and critical illness coverage. Keep reading this article to learn how to get cobra health insurance in arizona.
To determine the cost of your health insurance policy you have to add up the deductibles, premiums, co-pays, coinsurance and other relevant charges that would be applicable to you in the case of an emergency or if you become unable to work. These costs can vary from one health insurance policy to another. The type of health insurance policy that you choose will depend upon the type of health insurance you have. One option is to get a stand-alone health insurance policy which will cover all medical costs except for those already addressed by your primary health insurance policy.
Health insurance premiums are assessed based on your health status, your health history, past health problems and the health problems you may not have now. The cost of your health insurance policy depends on the details that you provide to the insurance company and the data they have on you. They will need to know your gender, age, weight, height and age of children and spouse. If you smoke, your premium will be higher as compared to a non-smoker.
A health insurance policy also covers your dependents or beneficiaries. Each health insurance policy has a list of eligible family members. If you are injured at work, the company will pay for your medical bills and will also provide you with workers' compensation benefits. If your partner dies in a car accident or is involved in a sports accidents, the company will provide you with health insurance benefits to support the family financially.
Health insurance also addresses the pre-existing conditions. Your health insurance policy should have a clause allowing you to choose from a list of health conditions that it covers. You can choose to cover yourself against diseases like diabetes, asthma, cancer and heart diseases, dental care, fertility and pregnancy expenses. It is also possible to add extra benefits like vision care, dental care, prescriptions and additional family members for an extra amount.
Before buying any health insurance policy, read the policy document carefully. Check for any clauses that may seem ambiguous or confusing. Try to understand the insurance company's process for filing claims. Contact an insurance agent or representative before buying a health insurance policy, if you are not comfortable with the policy or the terms and conditions, ask for clarification. Check out this related post: https://en.wikipedia.org/wiki/Health_insurance to get more enlightened on the topic.