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It’s important for every adult to know what major medical insurance is, what its coverage provides, and how it’s different from other insurance. MyFreeHealthQuote breaks down this information so you can make informed decisions regarding your healthcare.

What Is Major Medical Insurance?

Major medical insurance is a long-term, comprehensive health insurance plan designed to cover a majority percentage of the medical costs an average American will pay in a given year. Major medical insurance is sold by insurance companies through private or public health insurance marketplaces.

What Is Major Medical Coverage?

Major medical coverage is the set of benefits an individual gets from purchasing a major medical insurance plan. Individuals can find specific major medical coverage details listed in a plan’s Summary of Benefits and Coverage.

What Does Major Medical Insurance Cover?

Major medical insurance covers 10 essential healthcare benefits, including:

  1. Prescription drugs
  2. Pediatric services
  3. Preventive and wellness services and chronic disease management
  4. Emergency services
  5. Hospitalization
  6. Mental health and addiction services
  7. Pregnancy, maternity, and newborn care
  8. Ambulatory patient services
  9. Laboratory services
  10. Rehabilitative and habilitative services and devices

Who Needs Major Medical Insurance?

Everyone! You know the drill—you wake up with a stuffy nose, and eventually it turns into something worse. You decide to visit the doctor, which can cost a bundle. Major medical insurance helps most Americans cover the costs of these doctor visits and other medical expenses.

How Is Major Medical Insurance Different from Other Forms of Insurance?

Major medical insurance differs from other insurance types because it only covers your most common, essential medical needs. It won’t cover your material possessions, and it won’t become more expensive if you have to file a claim (like with car insurance).

And by essential, we mean that major medical insurance won’t cover every medical expense you have. For example, dental or vision care often isn’t considered essential, so those kinds of insurance are usually purchased separately. There are also separate policies that can help cover additional costs for accidents, critical illnesses, and disabilities that require extra financial and medical help.

This website is operated by Value Health One Insurance Services and is not the Health Insurance Marketplace website. In offering this website, Value Health One Insurance Services is required to comply with all applicable federal law, including the standards established under 45 C.F.R. 155.220(c) and (d) and standards established under 45 C.F.R. 155.260 to protect the privacy and security of personally identifiable information. This website may not display all data on Qualified Health Plans being offered in your state through the Health Insurance Marketplace website. To see all available data on Qualified Health Plan options in your state, go to Health Insurance Marketplace website at HealthCare.gov.

Myfreehealthquote.com is an independent broker and is licensed in AL, AZ, CA, GA, LA, MI, MO, MS, NC, OK, OH, PA, SC, TN, TX, UT, VA. This website is privately owned and operated by Value Health One Insurance Services, a licensed insurance agency, NPN #18924286. License numbers are available upon request and are provided where required by law. Our residential California Insurance License #: 0M57717.