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What does health insurance generally cover?

Dr. Jeanne Morrison, PhD
Family Practitioner

Health insurance generally covers the cost of doctors or emergency room visits, medicines, routine vaccinations and tests, surgeries, and psychological care. Depending on the type of insurance coverage you have, you may need to pay a portion of the expenses in addition to the premium you pay for general coverage. Some policies have more extensive coverage, which includes dental and vision care. A group policy will offer different benefits than an individual plan might, and whether you have a managed care plan, an indemnity plan, or a consumer directed plan, your coverage will vary. Each policy type and each policy will differ so be certain that you understand your policy before seeking treatment.

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Important: This content reflects information from various individuals and organizations and may offer alternative or opposing points of view. It should not be used for medical advice, diagnosis or treatment. As always, you should consult with your healthcare provider about your specific health needs.