There is several basic health insurance coverage policies to consider. In a managed care policy the insurance firm presents its own doctors and hospital facility. The drawback of managed care health insurance coverage is that you're often needed to pay an extra charge should you prefer to visit your personal doctor or be admitted to the hospital of your choice.

Health insurance coverage is a contract used to find out medical advantages that are covered, or not covered, between you and your insurance provider. The insurance company, based on a fee that you present them on a regular basis, guarantees to pay health insurance coverage on certain items or benefits listed in that contract. These services are known as 'covered' services. 'Covered' services can contain a lot of things, such as equipments, prescriptions, services (like therapeutic massage), checkups, tests and research.

Your agreement also needs to list all the things which are not covered in your health insurance plan - these are items or services that you will want to pay for out of your own pocket, should you require them. Just as it seems, a medical necessity is something that your health specialist has deemed a required service/ item that may affect your health harmfully should you determine not to buy it. However, just because your doctor tells you something is a medical requirement does not mean your health insurance actually offers coverage for it.

COBRA is not a health insurance policy, but a government effort to insure people from losing their health benefits in certain circumstances. Passed in 1986, the Consolidated Omnibus Budget Reconciliation Act (COBRA) requires most group health plans to supply short term continuation of group health coverage that might in any other case be terminated. Situations that are covered by COBRA include the death of a covered worker, termination or reduction in the hours of a covered worker's employment for reasons other than gross misconduct, divorce, or authorized separation from a covered worker, a covered employee's becoming entitled to Medicare, and a baby's loss of dependent status (and thus coverage) below the plan. COBRA typically applies to all group health plans controlled by private-sector employers (with at least twenty workers) or by local and state government. The law doesn't apply to plans supported by the Federal government or by churches and specific church-related companies.

The gross majority of what your personal doctor orders for you can be covered by your health insurance policy. When you do get a treatment or medical supply that isn't covered, you'll be able to always challenge the health insurance coverage. You may not be the only one who needs the same sort of facility, item or benefit - so you'll find yourself fighting not just for yourself, but for others in the same situation. Ask your personal doctor for their side, and use this in your claim. It might not help in the end, but if your doctor is on your side, you may be able to convince the health insurance company that coverage is needed.

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Author's Bio: 

Tony Aasby has been working in the health insurance sector for nearly 3 years and provides valuable information and tips on how to save money on health insurance.