By Alex M. Young | CBS NewsHealth care is an expensive industry, and some of the most expensive providers are private, private for-profit insurers.
But with the Affordable Care Act, the government is mandating that most private insurers cover some of their patients’ medical needs.
Here are some things you need to know to make certain your health plan covers all of your medical needs, from a list of services covered to coverage of medications and treatments.
What is a “private” health plan?
Private health plans are not required to cover all of a patient’s medical needs as part of their health insurance.
But the government has decided that they should be, and now most health plans offer private plans.
What do private plans cover?
Many private plans, including those offered through Cigna, provide basic health coverage.
But many also cover a variety of additional health services, including prescription drugs and hospitalization.
For example, many insurers have health plans with comprehensive coverage for prescription drugs, dental care and mental health.
Other types of health care that are covered include prescriptions for medicines, cancer screenings and lab tests, dental and vision care, as well as prescription drugs for mental health treatment.
What are the different types of coverage?
Private plans are generally considered to be more comprehensive, meaning they include a lot of services, not just a small amount of one.
They also tend to offer more specialized care.
For instance, a family member can get a prescription for a prescription medication, or a spouse or child can get an X-ray for cancer, and so on.
But most insurance plans are only required to provide basic coverage, so you can find out how much your health care needs are covered.
Here is a list, courtesy of the National Association of Health Plans, of what a typical private health plan will cover.
Health care providers covered:Alcoholics Anonymous, a community-based organization; health care professionals, including dentists, nurses, pharmacists, radiologists, and others; and other medical professionals.
Drugs and prescription drugs: A list of all prescription drugs covered by the National Drug Administration (NDA) includes the most common drugs that are available in the U.S. A list also includes the FDA-approved drugs for which the FDA has approved drugs.
Some drugs are not approved for sale in the United States, but are available as pharmaceutical products through prescription networks.
Medical tests and laboratory testing: A full list of testing services covered by Medicare can be found here.
Other medical procedures, including procedures that involve the injection of blood, such as heart bypass surgery, can also be covered.
Some medical procedures that are not covered include heart surgery, kidney transplantation, and brain surgery.
Medical equipment: A comprehensive list of hospital equipment can be viewed here.
A list of prescription drugs that aren’t covered include drugs for HIV/AIDS, prescription drugs to treat certain cancers, and prescription painkillers, which are not available over the counter.
Some medicines may also be listed as prescription medications only if they contain a lower-than-recommended daily dose.
Other medications: Drugs that are commonly used in the treatment of other conditions, such with depression or asthma, are not included on the list.
Some prescription drugs are listed separately, such a painkiller, a drug for the treatment for migraines, and an anti-anxiety drug.
What if I’m in an emergency?
If you are in an accident, you should always call a local emergency number for help.
If you have a life-threatening emergency, call 911.
What to do if you can’t call 911: You can call 911 in a situation that requires immediate help and a police presence.
In this situation, you must first tell the emergency service to keep you at the scene until they can help.
In some cases, the police can use a robot to get you to the hospital.
Some emergency departments also offer medical assistance.
If you are hospitalized, the doctor or nurse who treated you can give you medications or perform tests.
The hospital will also send a robot if needed.
The person who treated your injury, if available, can give a blood test.
If the test comes back negative, it is usually best to call the police.
What can I do if I don’t get a phone call?
If you don’t hear from your emergency service provider, you can call a number listed on your insurance company’s policy.
Call the number that matches the information you provided.
Callers can give directions to a local hospital.
If someone doesn’t call back, call your insurer.
The company will then ask if you are able to call.
If not, they may call a toll-free number that you can dial directly.
If the person who called doesn’t come back, you may have to call someone at the hospital to help.
If this doesn’t work, call the number listed for the emergency.
You can then call the emergency department