Individual health coverage provides benefits for health care. Prescription assistance programs might be included in some policies. A number of policies can provide for payment of health bills incurred on a reimbursement basis by paying benefits to the policy holder, payment on a service basis by paying those who supply the services directly, or payment of an indemnity by paying a set amount regardless of the sum charged for health visits. Medical expense or hospitalization coverage may be written on an individual or group basis. Some of these plans will provide prescription help.

Although there are lots of types of benefits to be had, individual medical expense coverage can by and large be categorized as basic medical expense coverage, major medical coverage, comprehensive medical coverage, and special plans. These Programs should cover prescriptions because prescription drugs help so many patients. The majority of these plans have for the most part been replaced by managed care options and are no longer offered as stand-alone plans. These types of policies have been modified and replaced in response to changes in the health care field relative to cost control and market competition.

Basic medical insurance provided by a personal medical expense plan includes hospital expense, surgical expense and medical expense. These 3 basics may perhaps be sold together or individually. Normally this is written as “first dollar” insurance, which means it does not possess a deductible.

Like the name implies, hospital expense health insurance provides benefits for visits incurred for the period of hospitalization. Hospital indemnities are ordinarily classified into two broad categories:

• Room and board, plus nursing care and special diets

• Miscellaneous medical expenses, including x-rays, laboratory fees, prescription drugs, medical supplies, and operating and treatment rooms

In a number of cases, surgical benefits may possibly be incorporated for several types of surgery and associated expenses. Hospital expense coverage provides benefits for daily hospital room and board and various hospital expenses while the insured person is confined to the hospital. The policy may perhaps provide for a particular dollar amount for the daily hospital room and board benefit, although the movement is in the direction of medical insurance of not more than the semiprivate room rate unless a private room is medically required. The room and board benefit possibly will be paid on either an indemnity basis or a reimbursement basis, depending on the specific plan.

Indemnity plans are at times called dollar amount policies. Room and board rates change by geographic location, however it is not rare to find room and board rates ranging from $150  to $800  per day or more.

In general, the maximum number of days is from 20  to 365 . More frequently, room and board expenses are paid on a reimbursement basis. also called an expenses incurred basis~This is also known as a expenses incurred basis~This is frequently called a expenses incurred basis}. Under this arrangement, the health insurance will reimburse in one of two ways.

• The actual bills for a semiprivate room are covered.

• A percentage of the actual charge is paid, with no definite dollar limit.

Under the first reimbursement option, the insurance company will pay the full actual semiprivate room rate, regardless of what it is. Under the second reimbursement option, the health insurance carrier pays a specific percentage, regardless of what the actual charges are. A frequent percentage is 80%.

To sum up, with the actual charges style of reimbursement plan, the policy will pay the actual amount charged for a semiprivate room with no regard to a specific dollar limit. Under the percentage style of reimbursement policy, the plan may pay a specified percentage of the actual charges.

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