Major medical health insurance covers essential benefits for individual and family health insurance plans. Many individuals and families select major medical coverage to ensure medical expenses are covered regardless of the medical.
It is important to make sure that you understand what major medical benefits are included in your health insurance plan. Speak with your Insurance Enterprise health insurance broker if you need to update your coverage.
What Are Major Medical Health Plans?
Major medical health insurance plans are comprehensive plans designed to minimize out-of-pocket expenses for individuals and families.
These expenses range from standard care to more extensive medical procedures. If you have a standard health insurance plan, major medical would be considered the most important coverage component.
What Medical Services Does A Major Medical plans Cover?
Major medical insurance plans offer the ten standard benefits:
- Hospitalization
- Outpatient procedures (also called ambulatory care)
- Preventive care like checkups and immunizations
- Prescription medication
- Mental health and addiction counseling
- Laboratory services
- Emergency services
- Pediatric care
- maternity and newborn care
You can get major medical health insurance plans through licensed private brokers such as Insurance Enterprise. Our private insurance providers offer major medical plans alongside other small business health insurance options.
Do I Need Major Medical Health Insurance?
Major medical coverage is a smart choice to minimize expenses for preventative care, emergency services, and chronic conditions. Comprehensive plans are the best way to cover daily medical care while ensuring that emergencies or severe health conditions create a significant financial concern. Although these plans do not cover every medical service, they will provide coverage for the widest range of services and care.
Pros and Cons of Major Medical
Major medical health insurance covers the most necessary care associated with serious illness and hospitalization and many additional benefits.
However, these plans may cost more than other options in monthly premiums since they offer many more benefits. A major medical health insurance plan can also qualify for subsidies that reduce premium costs.
Where Can I Get Major Medical Coverage?
The coverage you get from your employer is probably major medical health insurance. If you work for a large employer, they have to offer coverage that provides minimum value to comply with the employer mandates. A plan that provides minimum value will generally also be considered major medical coverage, as it will be fairly comprehensive.
A small minority of large employers—particularly those with a low-wage, high-turnover workforce—opt to offer plans that do not provide minimum value and cannot be considered major medical coverage.
Any plan you buy in your state will be considered major medical coverage. Medicare and most Medicaid plans also count as minimum essential coverage and can be considered major medical plans.
Contact Insurance Enterprise for Premier Health Insurance
If you have questions about health insurance and need quotes, contact Insurance Enterprise at 888-350-6605. Speak to a licensed agent and find out more about how you can get an affordable health insurance plan.