Hassle-Free Health Coverage: Medical Expense Benefits

Medical expense insurance, commonly referred to as hospitalization insurance, provides benefits for expenses incurred for hospital medical treatment/ surgery as well as certain outpatient expenses like doctor's visits, lab tests and diagnostic services.

The policy can be issued as an individual policy covering all family members or as a group insurance policy provided through an employer-sponsored program.

Dental expense benefits are generally sold as part of group hospitalization coverage. Most insurers do not provide individual dental coverage. Dental benefits are provided for preventive maintenance (cleanings and x-rays), repair (fillings, root canals, etc.) and replacement of teeth.

Long-term care (LTC) insurance pays for the care of persons with chronic diseases or disabilities, and may include a wide range of health and social services provided under the supervision of medical professionals. LTC often covers nursing home care, home-based care and respite care.