Anyone will want a policy that covers any kind of medical condition like pregnancy, blood transfusion, sick and well care, all kinds of surgeries, hospital stay, etc. However, you can never have a policy that gives 100% coverage. All policies have limited coverage. Hence, it is important that you read through the documents provided by the insurance company. Be aware of what exactly the policy will cover and what it will not cover.

Health insurance policies offer a variety of benefits, but nowadays all insurance companies are offering to cover preventive care. Insurance companies have realized that they can minimize their expenses if they also provide coverage for people who undergo regular medical checkups. These checkups can detect any potentially harmful situations and enable you to take immediate and necessary precautionary measures. This in return saves the insurance company huge amounts of money, which they might have to spend if you ever develop a serious medical condition that their policy covers.

The kind of health insurance that most policies cover include: annual physical examinations, emergency care, laboratory work like blood tests and X-rays, prenatal treatment, well baby visits, yearly eye exams, and all care when admitted to a hospital. Some even offer heavy rebate of health club facilities and programs that help individual give up on smoking.

You have to put a lot of time when researching about the benefits that the various health insurance policies offer. Those who formulate the policy very skillfully classify the treatments and services that are not covered. The list of treatments and services that are not covered is generally printed alphabetically. Non-covered treatments and procedures range from acupuncture to vision correction treatments like Lasik and radial keratoplasty. Always read this section carefully when you read a health insurance policy.

In the United States, you will not get coverage for dental and vision care except for an annual check up. There are separate plans with their own benefits for dental and vision care services, wherein you will have to pay separate premiums and deductibles. The procedures and the forms will be different from regular plans. The drugs for dental and eye treatments are very expensive, which is the reason many insurance companies do not cover them. Like in the case of dental and eye care, prescription drug plans are being offered as separate stand-alone policies.

Several states also have state-sponsored policies for their residents, which are aimed to protect consumers from exploitation. However, a state-sponsored policy ceases when a resident moves out of state. Hence, it is important to provide the correct residential address when you avail of a policy so as to reap the benefits to which you are entitled.