What types of health insurance policies/coverages are available?
The following coverages may or may not be combined with your current policy. It is best to check with your insurance carrier on what may already be included in your insurance policy. Basic hospital, medical and surgical insurance pays the portion of daily hospital room and board costs specified in the contract. This type of policy also pays for hospital services and supplies such as X-rays, lab tests, medicine and other items up to a stated amount. Most basic policies have time and dollar limits on benefits. For example, a policy may pay actual costs (the total billed amount for service) up to a fixed amount per day for hospital room and board for a stated number of days. Or, a policy may pay a fixed percentage of all covered hospital costs for a stated number of days. Payments for surgical expenses usually are based on a surgical fee schedule so that a maximum stated amount is paid for a specified operation. While basic hospital, medical and surgical policies stop paying benefits when
