Personal health insurance provides reimbursement for medical care. Prescription assistance programs are included in some programs. Certain policies may possibly provide for payment of health bills 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 amount regardless of the sum charged for medical expenses. Health expense or hospitalization insurance can be issued on an individual or group basis. Some of these plans will provide prescription help.

Though there are countless types of benefits to be had, individual medical expense insurance might usually be categorized as basic health expense insurance, major medical coverage, comprehensive medical insurance, and special programs. These policies should cover prescriptions because prescription drugs help so many patients. The largest part of these plans have essentially been replaced by managed care policies and are no longer sold as stand-alone plans. These types of plans have been modified and replaced in response to changes in the health care field relative to cost containment and market competition.

Basic health insurance provided by a private medical expense policy includes hospital expense, surgical expense and medical expense. These three basics can be sold as one or individually. Often this is issued as "first dollar" coverage, which means it does not include a deductible.

As the name implies, hospital expense medical insurance provides benefits for bills incurred for the period of hospitalization. Hospital indemnities are mostly classified into 2 general groups:

• Room and board, including nursing care and special diets

• Miscellaneous health charges, as well as x-rays, laboratory fees, prescriptions, medical supplies, and operating and treatment rooms

In a number of cases, surgical benefits can be included for a variety of types of surgery and associated costs. Hospital expense healthcare insurance provides benefits for daily hospital room and board and miscellaneous hospital expenses while the insured individual is confined to the hospital. The plan may provide for a specific dollar amount for the daily hospital room and board benefit, even though the movement is in the direction of health insurance of not more than the semiprivate room charge unless a private room is medically required. The room and board benefit may be paid on either an indemnity basis or a reimbursement basis, depending on the specific policy.

Indemnity programs are at times called dollar amount policies. Room and board rates fluctuate by geographic location, but it is not atypical to discover room and board rates ranging from $300  to $600  per day or more.

Usually, the maximum number of days is from 60  to 20 . More commonly, room and board charges are paid on a reimbursement basis. also called an expenses incurred basis~This is commonly called a expenses incurred basis~This is frequently called a expenses incurred basis}. Under this arrangement, the policy will reimburse in one of two methods.

• The actual bills for a semiprivate room are covered.

• A percentage of the actual fee is paid, with no explicit dollar limit.

Under the first reimbursement option, the medical insurance company 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 familiar percentage is 80%.

To recap, with the actual charges kind of reimbursement plan, the insurance 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 policy will pay a specified percentage of the actual bill.

 

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