In today’s uncertain world, taking care of your health is more important than ever. Whether you’re looking for coverage for yourself or your family, having the right insurance plan can provide you with peace of mind and financial security regarding your medical expenses. Personal medical insurance can provide the coverage you need. 

What Does Medical Insurance Usually Cover? 

Medical insurance typically covers a range of health care services and expenses, helping provide financial protection and access to necessary medical care. While coverage can vary depending on the specific insurance plan and provider, the following are some common areas that medical insurance may help cover: 

• Hospitalization

• Doctor’s visits

• Prescription medications

• Emergency care

• Surgical procedures

• Laboratory tests

• Preventive care

Each insurance plan may have its own set of limitations, exclusions and coverage criteria. It’s advisable to carefully review the terms and conditions of your insurance policy options to understand what is covered and any associated costs or restrictions. 

What Is Major Medical Insurance? 

Major medical insurance, also known as catastrophic insurance or comprehensive coverage, is a type of health insurance that may provide protection against significant and costly medical expenses. Unlike basic or limited coverage plans, major medical insurance typically requires you to cover most of your medical costs until you reach your annual deductible; at that time, the insurance may kick in. As a tradeoff, this type of insurance usually has lower monthly premiums compared to other plans. 

Speak with your agent to learn more about this type of coverage and whether it may be right for your circumstances.  

How to Apply for Medical Insurance 

Applying for medical insurance can vary depending on your location and the specific insurance provider you choose. However, the following are some general steps that may help guide you through the process of applying for medical insurance: 

1. Research and compare insurance plans.  

2. Determine your eligibility.  

3. Gather necessary information (such as a driver’s license or passport, proof of address and Social Security number). 

4. Fill out the application. 

5. Review and submit the application. 

6. Pay premiums. 

7. Receive insurance documents. 

Contact The Meyer Group to discuss your personal medical insurance needs. We can help you find the coverage you need.