One of the most widely publicized and hotly debated forms of insurance in America today, health insurance is the subject of intense political and social debate. A rapidly evolving and extremely complex subject, health insurance is also one of the most important benefits offered by many employers in the world.
Types of Insurance
Medical Insurance typically covers and specifies payment levels for doctor visits and treatment, medications, hospital stays, emergency room visits, surgical treatment, and so forth. There are many wide variations in coverage plans, with numerous combinations of covered and excluded items, different coverage levels, deductible amounts, and other variables that make it impossible to offer a general statement regarding all coverage plans. In nowadays, many employers offer an open enrollment period annually, during which employees may select from different coverage plans. Careful selection of the appropriate plan for each individual is a critical task.
For example Dental Insurance is sometimes included in medical plans, but more often it is a separate policy. Virtually all dental plans cover annual or semi-annual cleanings and check-ups, with many plans increasing the covered percentage with regular appointment attendance over time. Routine treatments such as cavity fillings, bridges, and the like, are also typically covered, though the amount of coverage can vary. Braces are sometimes covered for minor dependents, and more rarely for adults. Cosmetic procedures are typically not covered. You must aware for this...
see the next post in part 2...