Health insurance protects you from high medical costs, but what exactly is included in your coverage? Here’s a quick overview of the essential benefits offered by most health insurance plans.

What’s Typically Covered

Preventive Care

• Annual checkups, screenings, and vaccines

Doctor & Specialist Visits

• Primary care and referrals
• Telehealth services

Emergency & Hospital Services

• ER visits, ambulance rides
• Surgeries and inpatient stays

Prescription Medications

• Coverage for common and chronic condition drugs

Maternity & Newborn Care

• Prenatal, delivery, and postnatal care

Mental Health Services

• Therapy, counseling, and addiction treatment

Rehab & Therapy

• Physical and occupational therapy

Extras (Depending on Your Plan)

Dental and vision care

• Wellness and fitness benefits
• Some alternative therapies

What’s Usually Not Covered

• Cosmetic procedures
• Long-term care
• Elective surgeries not deemed necessary

Final Word

Understanding what’s covered helps you get the most out of your plan and avoid unexpected costs. Need help finding the right plan? Contact Sageline Insurance for expert support and personalized options.