2 I. What You Need to Know About Health Insurance Page 3 II. Types of Individual Health Insurance Policies Page 4 Basic Medical …… Surgical Expense Page 4 Hospital Confinement Indemnity Page 4 Major Medical Expense Page 4 Disability Income Protection Page 5 Accident Only Coverage Page 5
What You Need to Know About Health Insurance Rising health care costs have made it very expensive to be injured or ill. If you do not have good medical insurance to help pay the bills, a serious injury or illness can create major financial problems. Having no coverage, too little coverage, or the wrong kind of coverage can be a costly mistake. Many types of health insurance are available at various prices. Some policies pay most of your health care bills for any serious injury or illness. Others pay only some of your bills or only for certain injuries or illnesses. Some policies pay an amount directly related to your actual health care costs. Others pay a specific amount for each day that you are in a hospital, without regard to your actual bills. Even similar types of policies can vary in the details of their coverage. Health insurance should be selected carefully to make sure that you are getting adequate protection for your needs. This brochure lists most types of health insurance. Your eligibility will vary from company to company, and may be determined by such things as your age, gender, health status and occupation
