Introduction
A health care plan provides health insurance in conditions of health complications. The employer usually provides personal health insurance (Keisler-Starkey & Bunch, 2021). Medical insurance aims to cater to an individual during routine medical checkups and significant health issues. People can choose major or non-major health insurance, known as basic health insurance. Insurance plans differ in the medical services they cover, cost, and availability. Medical insurance mainly depends on a people’s choice and the amount of money they can spend. The paper aims to highlight the differences between major and non-major health insurance covers and analyzes individuals’ choices to acquire health insurance for non-comprehensive health issues.
Basic Health Insurance
Basic health insurance involves limited coverage plans with lower premiums than major health insurance. The low price and easy availability of basic health insurance make it popular. Citizens who do not qualify for unlimited medical and essential coverage get the opportunity of medical insurance coverage through non-major medical insurance. The Affordable Care Act guarantees basic health insurance benefits, providing protection to low-income citizens and assuring affordable healthcare for all community members (Liu & Sydnor, 2022). The health insurance cover ensures that citizens pay a monthly premium of not more than what they earn hence low costs incurred than the major health insurance cover. Basic health medical insurance cover helps legal non-citizens receive medical coverage from the states at affordable premium costs. Patients visit any doctor without necessary depending on referrals and approvals under medical insurance.
Major Medical Insurance
Major medical insurance is a type of coverage with unlimited medical coverage and higher premium costs. The major health insurance plan covers private medical care for health problems. It offers medical benefits for in- and outpatient services besides meeting the standard stated in the Affordable Care Act, despite the premium expenses incurred. Major medical insurance provides comprehensive coverage for the patient’s needs, including catastrophic medical conditions and expenditures during surgery. The insurance health plan covers extreme medical operations such as heart surgery and other critical body organs. Under major medical insurance covers prescribed drug costs, mental health issues and complications resulting from drug abuse can be catered for. Moreover, this type of insurance provides a large selection of clinics, including international ones, dental or ophthalmological care, and alternative treatments.
Not all citizens can afford medical insurance coverage because of the higher prices an individual must pay before getting medical coverage. Compared to basic medical insurance, whereby individuals get a cash reimbursement, major medical insurance individuals incur the costs of using their money personally. It is upon an individual to choose the best preferred medical insurance coverage depending on the affordability and easy accessibility. The main difference between major and non-major medical insurance is that basic medical insurance covers limited medical issues while the major provides comprehensive medical coverage.
Protective Insurance
When an individual has identified a specific stable condition, seeking protective insurance coverage under non-comprehensive health issues is sensible. For instance, if an individual has been diagnosed with cancer, the person should seek cancer insurance to cover the condition’s needs. Non-comprehensive health issues are likely to last and take longer before recovering, increasing costs. Therefore, families or individuals need to take such a cover to care for their conditions. It will be much more convenient and more accessible for a cancer patient to receive medical coverage on packages offered under a cancer insurance health insurance plan.
Protective insurance cover for non-comprehensive health issues is limited and quite affordable than comprehensive medical insurance.
Long-term medical insurance provides care for individuals with chronic conditions and disabilities likely to last for more than a year. Long-term medical cover offers services not delivered on standard health plans and provides unique features for their patients. Individuals with disabilities and chronic conditions should seek long-term medical cover, for it allows for reimbursement on the services offered. Long-term medical insurance would be adequate if a family is getting old since the regular health covers do not provide long-term assistance. Individuals should meet all the requirements, including confirmation from the doctors of chronic conditions, before choosing long-term health insurance (Zheng et al., 2019). Chronic patients, especially those diagnosed with cancer and requiring more funds for treatment, can find it challenging to pay for medical insurance due to the high costs incurred.
Conclusion
Health insurance ensures people’s fundamental right to access health care. The main difference between basic and major health insurance lies in the range of medical services they cover. Primary health insurance provides options for a wide range of patient needs than non-primary health insurance, which offers limited medical options. The main reason for choosing basic insurance is its availability and low cost. The preferred type of health insurance depends on the income of a particular individual. It is vital to choose the right kind of insurance for people suffering from chronic diseases or with disabilities to receive long-term medical care during all stages of recovery.
References
Keisler-Starkey, K. B., & Bunch, L. N. (2021). Health insurance coverage in the United States: 2020. United States Census Bureau. Web.
Liu, C., & Sydnor, J. (2022). Dominated options in health insurance plans. American Economic Journal: Economic Policy, 14(1), 277-300. Web.
Zheng, Z., Jemal, A., Han, X., Guy Jr, G. P., Li, C., Davidoff, A. J., & Yabroff, K. R. (2019). Medical financial hardship among cancer survivors in the United States. Cancer, 125(10), 1737-1747. Web.