Health insurance

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Related to health: Men's health, Women's health, health band

Health Insurance

An insurance policy that provides coverage when the policyholder (or his/her dependent) becomes ill. For example, a health insurance policy may pay for most or all of the costs of a surgery. Health insurance may cover doctor's visits, medical procedures, prescription drugs, and so forth. The policyholder pays a premium each month in exchange for the coverage; additionally, the policyholder often must pay coinsurance and/or a copay for certain procedures. In the United States, many people procure health insurance through their employers because it is often expensive to buy on one's own. Likewise, many people have group insurance to provide medical coverage. A significant amount of debate exists as to the appropriate role of the U.S. government in regulating health insurance providers and whether the government should assume this role directly.

Health insurance.

Health insurance covers some of or all the cost of treating an insured person's illnesses or injuries. In some cases, it pays for preventive care, such as annual physicals and diagnostic tests.

You may have health insurance as an employee benefit from your job or, if you qualify, through the federal government's Medicare or Medicaid programs.

You may also buy individual health insurance directly from an insurance company or be eligible through a plan offered by a group to which you belong. As you do with other insurance contracts, you pay premiums to purchase coverage and the insurer pays some of or all your healthcare costs, based on the terms of your contract.

Some health insurance requires that you meet an annual deductible before the insurer begins to pay. There may also be coinsurance, which is your share, on a percentage basis, of each bill, or a copayment, which is a fixed dollar amount, for each visit.

Health insurance varies significantly from plan to plan and contract to contract. Generally, most plans cover hospitalization, doctors' visits, and other skilled care. Some plans also cover some combination of prescription drugs, rehabilitation, dental care, and innovative therapies or complementary forms of treatment for serious illnesses.

References in classic literature ?
Live, George Morton," said Charlotte firmly: "you are better--your whole face bespeaks it; and if the tender care of an affectionate wife can preserve your health, you shall long live a blessing to all who love you.
Irwine, and to all my friends here, who've drunk my health and wished me well.
Casaubon had been ill, and that his health would not allow the reception of any visitors.
Then, I said, a finer sort of training will be required for our warrior athletes, who are to be like wakeful dogs, and to see and hear with the utmost keenness; amid the many changes of water and also of food, of summer heat and winter cold, which they will have to endure when on a campaign, they must not be liable to break down in health.
There complexity engendered license, and here disease; whereas simplicity in music was the parent of temperance in the soul; and simplicity in gymnastic of health in the body.
But culture, revealing the high origin of the apparent world and aiming at the perfection of the man as the end, degrades every thing else, as health and bodily life, into means.
What I was going to observe, my dear Madam,"--here the resolute Clump once more interposed with a bland air--"what I was going to observe when you gave utterance to sentiments which do you so much honour, was that I think you alarm yourself needlessly about our kind friend, and sacrifice your own health too prodigally in her favour.
Alexey Alexandrovitch had not expected him that day, and was surprised at his visit, and still more so when the doctor questioned him very carefully about his health, listened to his breathing, and tapped at his liver.
Your father's health is vigorous, and he asks but to see you, but to be assured that you are well; and not a care will ever cloud his benevolent countenance.
Have you not been complaining of your health, and have you not been longing for what you call a smack of the country breeze?
She expected to see Jeremiah fast asleep or in a fit, but he was calmly seated in a chair, awake, and in his usual health.
And what had been the fervency of all the prayers he had ever muttered, compared with those he poured forth, now, in the agony and passion of his supplication for the life and health of the gentle creature, who was tottering on the deep grave's verge!