Major Medical

 Major medical insurance takes care of all of your general healthcare needs from a common cold to an unexpected illness that requires additional treatment. 

Major medical insurance is offered by private and public healthcare companies. The Affordable Care Act (ACA) requires every health insurance provider to offer a major medical plan. Why? Health insurance is an important part of life and its unexpected twists and turns. You shouldn’t have to pay a full expense for something as simple as a cold.

It covers the full-spectrum of healthcare needs. In fact, it covers these 10 Essential Healthcare Benefits:

● Ambulatory patient services

● Emergency services

● Hospitalization

● Maternity and newborn care

● Mental health, behavioral health, and substance abuse treatment

● Prescription drugs

● Rehabilitative and habilitative services and devices

● Laboratory services

● Preventative and wellness services, chronic disease management

● Pediatric services (including dental and vision)

The benefits often outweigh the costs when you aren’t covered by employer insurance, or if you decide to have a child. Often, major medical insurance has higher premiums but reduces the unexpected cost of random illness. Dental and vision are not covered under major medical and are considered non-essential so you'll need a supplemental plan for that.

 Medicare Advantage,  also known as Medicare Part C, is a combination of Original Medicare coverage A and B, and often includes Part D (prescription drug)  coverage as well. This type of plan eliminates the need for Medi-Gap insurance. If you would like to learn more, please contact us today.