How Medical Insurance Works

How Medical Insurance Works

People know that they need medical insurance to help with their bills and make sure they are healthy. Medical insurance will cover the majority of the cost of most procedures. Most people do not know how medical insurance works. Shalom Lamm knows that medical insurance can be confusing until a person figures out how it works. Lamm has some basic information so that people can learn more about how medical insurance works.

A person often gets health insurance through their job. They can choose to purchase health insurance during the open enrollment period if they are not offered insurance through their employers. They will pay a monthly fee for this insurance. This fee will be based on the type of plan that a person has and the cost left over after their employers have covered their share.

A person can then use their insurance at a doctor’s office. They need to be aware that most insurance plans have a deductible. This is the amount that a person will need to pay before the insurance will take over and cost the rest. This amount will vary by plan. It may also be a percentage of the cost. Some preventative care things may be covered fully by the insurance company. A person will not have to pay for things such as a yearly checkup flu shot and some wellness screenings. There are some doctors that accept this insurance. They are called network providers. A person will pay less money when they stay in the network. To see a specialist a person may need a referral from their doctor for the insurance company to cover the cost. A person may be responsible for any copays that are charged by the specialists.

What is covered

Shalom Lamm knows that there are many things that a person can have performed that are covered by their medical insurance. They will need to present their card with their membership information and any company information that they may have. If a person needs emergency medical service the majority of the cost is covered by health insurance. Even hospitalization is an expense that can be covered by this insurance. Some plans will cover any medical lab work. There are even plans that will cover the cost of prescription medications. A person will be able to get the medicine that they need without paying the very high prices that are being charged.

Medical bills can add up quickly. A person will need to have health insurance to cover these expenses. It is the law that a person carries health insurance. There have been several programs that were developed to reduce the cost of health insurance. These programs will allow a person to get insurance at a lower price. Health insurance will help a person save money on their medical bills and they will get the coverage that they need. Medical insurance is needed to help with the cost of medication and medical services so it is something that is necessary to have.


Article Editor

Pamela is a television journalist, humor writer and novelist. Her first novel, Allegedly, was released in 2015 by St. Martin’s Press. The book is available on Amazon and Barnes & Noble. She and her husband, Daniel, have a 3-year-old son, Carter.

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