LEVEL OF COVERAGE

VIII LEVEL OF COVERAGE

The extent to which an insurance policy will cover specific health care services varies considerably based on the level of benefits outlined in the policy. Because each person has different medical needs and risks, no one level of health insurance coverage is right for everyone. Some of the most common levels of coverage available in the United States include comprehensive medical insurance, hospital-surgical insurance, catastrophic health insurance, specified disease insurance, and long-term care insurance.


A Comprehensive Coverage

Comprehensive medical insurance is a single plan that combines coverage for both doctor and hospital charges. Most medical services are covered by comprehensive policies, although even comprehensive plans limit benefits for certain specific conditions. They also may not cover services associated with preexisting conditions.

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