What Does Basic Health Insurnace Cover?

Basic Health Insurance with Nieroda Insurance Agency

Your health is something that is incredibly important. With that being said, it is also essential to have some health insurance in place to help make sure that you can maintain your health and pay for the services that you need to be safe and healthy.

Basic health insurance is currently required by the federal government and your basic policy may cover more than you think. In most cases, health insurance is there to support you should you have to have a major procedure done without having to pay the full amount out of pocket. It is also there to help give you preventative measures so that you do not get sick and so that you can continue to live a healthy life.

Your basic policy, first and foremost, covers preventative care. This means things like a yearly physical, flu shots, vaccinations, and other basic services that are aimed at keeping you healthy so that you never have to use the more substantial portion of your policy. Your basic policy from Nieroda Insurance Agency in Saint Charles, MO also covers a portion of services that can be discussed with your insurance agent.

This means that if you get a surgery that your insurance has approved, they will pay a percentage of the remaining bill after you have met what is called the deductible, or the out of pocket expense, which has been assigned to the policy. This means that if you have a $15,000 surgery and your deductible is $2,000, anything after the $2,000 out of pocket your insurance will cover. Some policies also include things like medications and prescriptions as well as some test procedures.

You can talk with an agent at Nieroda Insurance Agency in Saint Charles, MO to find out more about what a basic policy covers and what type of coverage you will need.