What Does Health Insurance Cover?

A standard health insurance policy covers:
  • Visits to primary care doctors and specialists
  • Emergency services, including visits to the emergency room
  • Medical check-ups, including blood tests, pap smears, etc.
  • Medically necessary procedures (surgery, MRIs, CAT Scans)
  • Prescription drugs
Health insurance won’t cover 100 percent of medical costs, though. Patients are responsible for small fees—co-payments—when visiting medical providers or purchasing prescription drugs.
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source: www.health-insurance.org/what-is-health-insurance