Private health insurance provides benefits for medical care. Prescription assistance programs can be included in some programs. A number of plans may possibly provide for payment of health charges incurred on a reimbursement basis by paying benefits to the policy holder, payment on a service basis by paying those who supply the services directly, or payment of an indemnity by paying a established sum regardless of the sum charged for health expenses. Medical expense or hospitalization insurance may well be issued on an individual or group basis. Many of these policies will provide prescription help.

Though there are various types of benefits to be had, private health expense coverage might generally be categorized as basic health expense insurance, major medical insurance, comprehensive medical coverage, and special policies. These Programs should cover prescriptions because prescription drugs help so many patients. A good number of these policies have essentially been replaced by managed care options and are no longer offered as stand-alone programs. These types of policies have been modified and replaced in response to changes in the health care field relative to cost control and market competition.

Basic coverage provided by a personal health expense policy includes hospital expense, surgical expense and medical expense. These three basics can be written together or separately. Often this is written as “first dollar” insurance, which means it does not have a deductible.

Like the name implies, hospital expense insurance offers benefits for expenses incurred during hospitalization. Hospital indemnities are as a rule classified into 2 broad groups:

• Room and board, as well as nursing care and special diets

• Miscellaneous health expenses, plus x-rays, laboratory fees, prescription medicine, medical supplies, and operating and treatment rooms

In some cases, surgical benefits possibly will be built-in for a number of types of surgery and related expenses. Hospital expense medical insurance offers benefits for daily hospital room and board and assorted hospital expenses while the insured patient is confined to the hospital. The policy possibly will provide for a particular dollar amount for the daily hospital room and board benefit, even though the tendency is in the direction of insurance of not more than the semiprivate room rate unless a private room is medically required. The room and board benefit may perhaps be paid on either an indemnity basis or a reimbursement basis, depending on the particular policy.

Indemnity programs are every now and then called dollar amount policies. Room and board rates fluctuate by geographic location, but it is not abnormal to find room and board rates ranging from $250  to $650  per day or more.

Usually, the maximum number of days is from 90  to 500 . More commonly, room and board expenses are paid on a reimbursement basis. also referred to as an expenses-incurred basis~This is also known as a expenses incurred basis~This is frequently called a expenses incurred basis}. Under this policy, the health insurance will reimburse in one of two ways.

• The actual expenses for a semiprivate room are covered.

• A percentage of the actual charge is paid, with no particular dollar limit.

Under the first reimbursement option, the insurance carrier will pay the full actual semiprivate room rate, regardless of what it is. Under the second reimbursement option, the medical insurance carrier pays a specified percentage, regardless of what the actual charges are. A usual percentage is 80%.

To summarize, with the actual expenses form of reimbursement program, the policy will pay the actual amount charged for a semiprivate room with no regard to a specific dollar limit. Under the percentage style of reimbursement plan, the program might pay a certain percentage of the actual charges.

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