When it comes to choosing a health insurance plan for you and your family, there are many options. If you aren’t familiar with the different types of policies, it can become confusing. The information below will help you make an informed decision about Affordable Health Insurance in Asheville NC.
Individual Medical Insurance
This is the type of insurance that you purchase to cover the medical needs of you and your family. If you’ve already been diagnosed by your doctor with a medical condition, this may not be covered on your policy. You’ll pay a deductible on medical costs and hospital stays, and the deductible amount varies depending on how much you want to pay for your monthly premium.
Supplemental Health Insurance
This type of insurance is purchased for additional coverage of things that your regular policy doesn’t cover. This may include deductibles, private hospital rooms, costs of transportation, hotels and meals. Supplemental insurance kicks in on the first day that you’re admitted to the hospital and you won’t have to pay a deductible.
Medicare Supplemental
When you’re 65 years of age or older and you currently have Medicare Parts A and B, you can purchase this type of insurance. This helps to pay for some of the health care costs that are your responsibility. It may even pay for specific medical services in NC that Medicare doesn’t pay for.
Medicare Part C
This is an advanced Medicare plan that you can choose in NC and it gives you many more options than regular Medicare. This includes prescription coverage, mail order prescriptions, co-payments for doctor visits, free preventative tests for cancer and other health conditions, and emergency medical coverage worldwide.
Medicare Part D
This is a prescription drug policy that offers low cost co-payments on medications, some as low as one or two dollars per prescription. When you sign up for this Affordable Health Insurance Asheville NC, you’ll receive a monthly statement with details on each prescription you purchased the previous month and the cost.
Contact Integrative Family Medicine and he’ll help you choose an insurance plan that’s right for you and your family. Save even more money by bundling your auto, home, life and health policies.
