Individual health insurance offers reimbursement for medical care. Prescription assistance programs may be included in some plans. Various plans may possibly provide for payment of medical bills incurred on a reimbursement basis by paying benefits to the plan owner, payment on a service basis by paying those who supply the services directly, or payment of an indemnity by paying a established amount regardless of the total charged for medical bills. Medical expense or hospitalization coverage might be issued on an individual or group basis. Some of these policies will provide prescription help.

Even though there are countless types of benefits offered, private medical expense coverage can by and large be categorized as basic health expense coverage, major medical coverage, comprehensive medical coverage, and special programs. These policies should cover prescriptions because prescription drugs help so many people. The largest part of these policies have for the most part been replaced by managed care alternatives and are no longer available as stand-alone programs. These types of plans have been modified and replaced in response to changes in the health care field relative to cost containment and market competition.

Basic medical insurance provided by a private medical expense policy includes hospital expense, surgical expense and medical expense. These three basics may well be sold as one or separately. Often this is issued as “first dollar” insurance, which means it does not possess a deductible.

Like the name indicates, hospital expense healthcare insurance offers benefits for charges incurred during hospitalization. Hospital indemnities are more often than not classified into 2 general categories:

• Room and board, plus nursing care and special diets

• Miscellaneous health expenses, plus x-rays, laboratory fees, medications, medical supplies, and operating and treatment rooms

In a number of cases, surgical benefits might be included for a number of types of surgery and related expenses. Hospital expense healthcare insurance offers benefits for daily hospital room and board and miscellaneous hospital expenses whilst the insured individual is confined to the hospital. The plan possibly will provide for a specific dollar amount for the daily hospital room and board benefit, though the trend is toward healthcare insurance of not more than the semiprivate room charge unless a private room is medically needed. The room and board benefit might be paid on either an indemnity basis or a reimbursement basis, depending on the individual policy.

Indemnity plans are at times called dollar amount policies. Room and board rates change by geographic location, but it is not abnormal to notice room and board rates ranging from $150  to $800  per day or more.

More often than not, the maximum number of days is from 100  to 400 . More frequently, room and board charges are paid on a reimbursement basis. This is {frequently referred to as an expenses-incurred basis~This is also known as a expenses incurred basis~This is frequently called a expenses incurred basis}. Under this deal, the insurance will reimburse in one of two ways.

• The actual charges for a semiprivate room are covered.

• A percentage of the actual fee is paid, with no particular dollar limit.

Under the first reimbursement option, the medical insurance company will pay the full actual semiprivate room rate, regardless of what it is. Under the second reimbursement option, the medical insurance company pays a specified percentage, regardless of what the actual charges are. A customary percentage is 80%.

To sum up, with the actual charges form of reimbursement program, the plan will pay the actual amount charged for a semiprivate room without regard to a specific dollar limit. With the percentage type of reimbursement plan, the policy might pay a certain percentage of the actual charges.

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