Definition: The term "health insurance" is a broader umbrella term that refers to various types of policies covering medical expenses, including preventive care, surgeries, medications, and other healthcare services. These plans are usually provided by health insurance companies or private insurers who offer them under contract with employers or employees.
Definition: Health insurance is an arrangement in which individuals pay premiums (usually based on income) for access to a network of providers, doctors, hospitals, and specialists. The goal of the insurance is to help cover medical expenses incurred while receiving care at these facilities, and also to provide financial support during recovery from illnesses or injuries.
Here are some more detailed definitions:
1.
Preventive Care:
Health insurance plans generally require individuals to sign up for a plan that covers preventative care services such as checkups, vaccinations, screenings, and other preventive treatments.
2.
Medications:
These include prescription drugs and over-the-counter medications used by healthcare professionals to treat illnesses or conditions.
3.
Opioid Treatment:
Insurance plans may cover the costs of treatment for opioid use disorder (OUD). This includes treatment with opioids, as well as other substances, such as alcohol and medication addiction.
4.
Discharge Care:
Plans often cover medical expenses associated with a patient's discharge from an inpatient or outpatient hospital setting after surgery, rehabilitation, or other procedures.
5.
Dental Insurance:
Dental insurance is not typically included in health insurance plans but may be offered by dental plans when there are no co-pays or deductibles.
6.
Vision Insurance:
Plans often cover vision care services such as eyeglasses and contact lenses, which are covered under insurance coverage for both eyes.
7.
Cancer Treatment:
Some types of cancer can be treated through insurance policies that offer pre-existing condition coverage, known as Part B.
It's important to note that the specifics of what health insurance plans cover may vary by country or state. The Affordable Care Act (ACA) made significant changes in 2014 to expand access and improve health care affordability for many Americans, including some who do not have private health insurance.
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