4 Surprising Benefits Of Health Insurance
4 Surprising Benefits Of Health Insurance: Health insurance may sometimes become a pain in the neck, literally. From filling up forms to claiming for deductibles; it can be a big task, but the benefits of having a health insurance definitely outweighs all these tricky chores.
Although it is widely believed that a health insurance only covers expenses incurred as a result of hospitalization, OPD cover with health insurance policy is also an integral part of any good insurance.
Let’s take a look at a few surprising benefits of health insurance.
Mental Health Coverage
As time is moving on, people are becoming aware of mental health issues and hence don’t stigmatize mental disorders. A good health insurance policy is bound to cover mental health care including access to specialists, psychotherapy, counselling, depression screening, drug and alcohol abuse and treatment.
In fact, new health policies are equivalent for mental health care allowing people to easily gain access to mental health specialists.
Just like mental health, people’s attitude towards alternative treatment has also changed. Acupuncture and chiropractic care are now also considered as an equal to regular medical treatment and are covered by most of the health insurance policies available. Keep in mind that this may vary from state to state. You can self-refer to a chiropractor for back pain or your doctor can refer you to one with the bill footed by your insurance company.
Now this is one surprising benefit of a health insurance which is worth every penny if you love sweating it out in a gym! Trends have changed and now people are more inclined towards fitness.
Many health insurance policies are moving with the changing trends and covering gym memberships as well. They may not pay for the whole year but an insurance company can get you subsidized membership rates or may pay for the first three months.
OPD cover with health insurance policy is a must and most of the policies do provide this benefit. This covers consultations, diagnostic tests, pharmacy expenses and even out-patient minor procedures such as removal of a cyst.
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