Your health insurance policy can cover you and every member of your family. The policies are constructed with levels of coverage that vary depending on the treatment you need. You can add anyone in your immediate family to the policy, and your policy is honored by a network of doctors. The three items below cover the majority of what your policy does.
Item #1: Your Family
The insurance that you purchase through your employer or a private company covers more than the primary account holder. Your name will be listed first in all communications, but you can add your legal spouse and legal children. The insurance company will want personal information for all your dependents, but they will cover them completely once information has been received.
Item #2: Regular Medical Care
These policies are meant to cover regular checkups more than anything else. Your checkups happen once a year, and the copayment you make at the doctor's office typically covers your visit. The same is true for your children, but you must check to make sure their doctor is in the provider's network.
Item #3: All Other Medical Issues
Your health insurance policy comes with a booklet that outlines all the things that are covered. Every procedure is covered based on whether it is performed by someone inside or outside the network. Also, the level of coverage is listed as a percentage. Your appendectomy may be covered at 80%. This means you will be responsible for 20% of the cost of the procedure. The number vary depending on the procedure.
Your insurance policy gets you in the door of every medical clinic because they know you can afford to pay them. Also, the policy cuts costs for you so you can go to the doctor whenever you need to keep the family healthy.