Basic Medical Services Covered by Health Insurance

Before buying your policy, become familiar with the medical services typically covered by health insurance.

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Basic Medical Services

There are four basic types of health insurance policies. The type of policy you choose determines what medical services are covered. Indemnity, HMO, PPO and POS plans will include most, but not all of the following:

  • Doctor visits
  • Preventative care
  • Diagnostic tests
  • Hospital
  • Extended care
  • Emergency Treatment
  • Prescription drugs
  • Home health care

Our health plan guide will help you decide what type of plan is best for you.

Additional medical services

Additional medical services can include:


  • Dental Insurance
  • Vision Care
  • Care by Specialists
  • Care for Mental Health
  • Services for Drug/Alcohol Abuse
  • Family Planning Services, OB-GYN
  • Chronic Disease Care
  • Physical Therapy
  • Nursing Home and Hospice Care
  • Chiropractic Care
  • Maternity Care
  • Well Baby Care (immunizations, etc.)

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Create a list of the medical services you want covered before searching for health plans in your area at eHealthInsurance or when contacting the health care pros at Insurecom.

Advice on choosing medical coverage

Buy a policy that covers the medical services you most often use. Make additions to your policy for extra coverages your family needs. If your health insurance policy covers medical services you don't want, ask for an exclusion so you aren't paying for something you'll never use.


Next: Basic medical costs.

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