The last thing you need to focus on when you’re dealing with illness or injury is the bill coming your way, which is where medical expenses protection comes in. Before you can pick the right plan for you, be sure to ask these important questions.
What is medical expenses protection?
Medical expenses protection is a type of health insurance that covers events like hospital stays, surgeries, and many other medical expenses that arise during routine care or emergencies. These types of expenses fall into two categories:
- Basic medical expenses
- Major medical expenses.
What are basic medical expenses?
If you have a plan that includes basic medical expenses, it covers some or all of the costs you incur from a regular visit to the doctor, hospital visits and stays, surgeries, procedures, and more. Even non-emergent medical treatment can become expensive very quickly, which is why having basic medical expenses coverage is so important.
What are major medical expenses?
Major medical expense coverage comes into play after catastrophic medical events that have exhausted your basic medical expenses. This can include critical illness and long-term hospital stays, although there is no official definition of major medical expenses, so this will depend on your plan.
How much does medical expenses protection cost in Salt Lake City?
Medical expenses protection is a form of health insurance, and health insurance rates vary greatly from plan to plan and depend on the level of coverage you require. Most plans begin at around $100 while more comprehensive plans could be much more. But keep in mind, hospital bills can run more than a million dollars, so these monthly payments save you money in the long run when you’re faced with medical bills.
The experts at Salt Lake City Insurance will help you determine the right type of medical expenses protection for you that fits your needs and your budget.