medical benefits

Q1. What is health insurance?
Health insurance is a financial protection plan that helps individuals and families manage the costs of medical, dental, and vision care. It’s a contract between an individual or group and an insurance company, where the insurer agrees to cover specified healthcare expenses in exchange for regular premium payments.

Q2. What does medical insurance typically cover?
Medical insurance provides financial coverage for doctor visits, hospital stays, surgeries, emergency care, prescription medications, and preventive services. Its primary purpose is to reduce the financial burden of healthcare and ensure access to necessary medical services.

Q3. What is dental insurance, and what does it cover?
Dental insurance is a type of health insurance focused on oral health. It helps cover costs for:

• Routine check-ups and cleanings
   
• X-rays and diagnostic exams
   
• Fillings, extractions, and other dental procedures
   

Some plans may also include partial coverage for orthodontics or major dental work.

Q4. What is vision insurance, and what does it include?
Vision insurance helps individuals manage the cost of maintaining good eye health by covering:

• Routine eye exams
   
• Prescription glasses and contact lenses
   
• Discounts or partial coverage for corrective procedures (in some plans)
   

Q5. Why is health insurance important?
It ensures that individuals and families can access necessary healthcare services without facing overwhelming out-of-pocket costs. Health insurance helps maintain good overall health, supports preventive care, and protects against major financial hardship from unexpected medical events.

Q6. Can health, dental, and vision coverage be bundled?
Yes. Many insurance companies and employer-sponsored plans bundle medical, dental, and vision coverage for convenience and cost savings, allowing individuals to manage all aspects of their healthcare under one plan.