What Health Care Services are Covered by a Group Health Insurance Plan?
Your health insurance plan can be a valuable asset for protecting your health, your finances, and your future. However, it’s essential that you have the right plan in order to fully meet your needs. Personal health insurance plans that provide inadequate coverage can leave you without the protection you need when you need it most. On the other hand, group health insurance plans that provide more coverage than you need may be unnecessary as well as exorbitantly expensive. Knowing what services are covered can help you get the best possible fit for you and ensure the plan you ultimately choose fits comfortably into your budget.
Family health insurance plans tend to vary widely in what is covered. However, virtually all group plans cover routine medical exams and doctor’s office visits. Additionally, plans regulated by the Department of Managed Health Care must also cover medically necessary services such as the following:
• Inpatient care
• Ambulatory services
• Emergency services
• Diagnostic laboratory services
• Hospice care
• Home health care
• Preventative care
Federal law requires that insurers also cover minimum hospital stays for newborns and mothers and breast reconstruction and provide equal coverage for mental health services. Some states also require certain levels of minimum required coverage. California, for example, requires health insurance policies that cover prescription drugs to cover diabetes testing supplies as well.
Other covered services may vary widely among different plans. For instance, while the majority of health plans cover inpatient mental health care, only about one-fourth of them cover infertility services. Riders can be purchased for specific health care needs in order to ensure you receive adequate coverage.
Whether you need employee health insurance plans, small business health insurance, or individual health insurance, the right plan is available. Being aware of your options and your needs can help you make the best decision for you or your family.
Source: Los Angeles Health Care
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