Health Insurance Agent Frisco

 

Health Insurance Agent Frisco

It is vital that you understand your responsibilities under the managed care provisions of your health insurance policy. If you have any questions about your policy’s Health Insurance Agent Frisco managed care provisions, be sure to contract your plan administrator and get educated.

Hospice Care

Many Health Insurance Agent Frisco policies will pay for hospice services for the treatment of terminally ill patients. The focus of hospice care is not to save the patient’s life but to make it more comfortable, thereby allowing the patient to die with dignity. Less expensive than fighting the terminal illness to the bitter end in the hospital (using respirators and other wonders of medical science to keep the patient alive), hospice care can take place in the home or in a hospital unit set aside for the terminally ill.

the above coverage’s usually have a lifetime cap on benefits, which might not be high enough to pay for a catastrophic illness that requires long-term care and hundreds of thousands of dollars to treat. That is why everyone who can afford Health Insurance Agent Frisco should also purchase major medical protection (also called a catastrophic care policy).

Major Medical

Major medical policies are designed to supplement your basic Health Insurance Agent Frisco policy protection provided through hospitalization and S&M coverage’s and to pay just about everything you need while covering from a catastrophic condition. These include:

A High Total Benefit Package

One of the important provisions of these policies is a high maximum level of benefits, typically $1 million. You should not elect to be protected for less than $1 million unless you afford full coverage.

Extended Hospital Stays

Any basic hospitalization Health Insurance Agent Frisco policy will limit the number of days you can receive benefits per hospital stay. Major medical will pay for hospitalization that goes beyond the basic plan maximums.

Extended Home Care

Often, catastrophic care involves extended periods of recuperation at home using private nurses and other health professionals to assist with care. Usually, the basic coverage’s do not pay for most of these services, or if they do it will only be for a brief period of time. A major medical plan will often cover these important health services for an extended periods of physical therapy, speech therapy, or respiratory therapy.

 

…Continued in Freeport Professional Employee Organization

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