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Health Insurance Guide
Different Types Of Health Insurance Policies
Health insurance is a legal contract between two or more parties that promises certain performance in exchange for considerations. A health insurance policy is considered a unilateral contract.
While a policy owner may decide to terminate premium payments, as long as the payments are paid the insurer must meet their responsibility under the contract.
A health insurance policy can provide just one or any combination of certain benefits:
- Hospital, medical and surgical expenses resulting from sickness or an accident
- Accidental death or dismemberment
- Disability resulting from accident or sickness
The terms accident and sickness are widely used and often interchangeable in any discussion of health insurance. They are often abbreviated as A&H and A&S. Health insurance is also referred to as medical insurance.
Health insurance is designed to protect again two types of economic loss. Loss of income and expenses for medical care which places them in either of two broad policy categories:
- Disability income policies
- Medical expense policies
Disability income policies can also be referred to as loss of income, loss of time or replacement income. This type of policy will pay benefits to an insured who is disabled and can no longer work to earn a regular income.
Medical expense policies are represented by a wide range of coverage from very minimal to comprehensive packages with multiple coverage.
Some include both accidents and illnesses, various hospital expenses and other costs pertaining to medical care such as:
- Accident and sickness policies
- Hospital policies
- Basic medical expense policies
- Major medical expense policies
- Comprehensive medical expense policies
Learn more about different types of health insurance policies in Your Guide To Good Health Insurance.
Health Insurance Plans
Complete Health Discount Plan
Benefits include savings on physician care, prescriptions, dental and vision, chiropractic, diabetic supplies and much more. Additionally, a single membership covers an entire family.
Aetna Dental Discount Plan
This discount dental program offers discounted fees for services performed by dental providers in the network. Members can receive the necessary dental care to keep good oral health while paying reduced fees.
Prescription Drug Plan
The Outlook Prescription Drug Plan includes two avenues for members to receive prescription savings. Each member has access to the largest retail pharmacy chain in the nation, plus members have access to the largest mail order pharmacy
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