Includes routine visits to your primary doctor and specialist consultations for specific conditions.
Includes services like annual physical exams, vaccines, cholesterol checks, and cancer screenings. These are often covered at 100% to help catch health issues early.
Covers ER visits for life-threatening conditions and urgent care for less severe but immediate medical needs.
Pays for hospital stays, including surgery, overnight care, anesthesia, and related treatments—whether planned or for emergencies.
Helps cover the cost of medications prescribed by your doctor. Depending on the plan, this may involve a copay or coinsurance for each prescription.
Covers diagnostic tests such as blood work, urine tests, and imaging procedures like X-rays, CT scans, and MRIs that help doctors detect and monitor conditions.
Includes therapy, counseling, psychiatric evaluations, and treatment for mental health conditions (like depression or anxiety) and addiction recovery programs.
Covers prenatal visits, labor and delivery, and postnatal care for both the mother and newborn in the early stages after birth.
Provides medical coverage for children including routine checkups, vaccinations, developmental screenings, and care for common childhood illnesses.
Treatments or surgeries that are done to improve appearance—such as facelifts, liposuction, Botox, or nose reshaping—are usually not covered unless medically necessary (e.g., surgery to fix damage after an accident).
Alternative therapies like acupuncture or herbal treatments may not be covered unless listed in your plan.
Drugs like ibuprofen, vitamins, or cold medicine that can be bought without a prescription are not covered unless prescribed and explicitly listed as covered under your plan.
If you receive care from a provider or hospital outside your plan's network, you may have to pay most or all of the bill yourself—unless it's a true emergency. Always check your provider list first.
Treatments that are still under study or not yet approved by regulatory bodies like the FDA are often excluded. This can include some new cancer treatments or clinical trial medications.
Health insurance generally doesn’t cover services like nursing homes, assisted living, or full-time in-home care for chronic conditions. That type of care usually requires separate long-term care insurance.
Most standard plans only cover emergency medical care when you're outside the U.S. Routine or elective care received abroad is not covered unless you have international health coverage or a travel add-on.
If you're injured while engaging in illegal acts (e.g., driving under the influence, committing a crime), your insurance may deny the claim based on policy exclusions.
Avoid paying full price for doctor visits, emergency care, and prescriptions.
Stay healthy with screenings, checkups, and vaccinations often covered 100%.
Choose plans with the right balance of deductible, copay, and premium to fit your lifestyle.
Coverage during unexpected illnesses, accidents, or hospital stays.
GoldenTrust agents help you select the best plan for your family or business.
The amount you pay for healthcare services before your insurance begins to pay. For example, if your deductible is $2,000, you pay the first $2,000 of covered services. This resets annually.
A copay is a fixed amount (like $25) for a service. Coinsurance is a percentage you pay after meeting your deductible (e.g., 20% of a hospital bill).
It’s the most you’ll have to pay in a year for covered services. After you reach this amount, your insurance pays 100% of all further covered care.
That depends on your plan’s provider network. GoldenTrust helps find plans that include your preferred providers and help you confirm your provider’s participation in your chosen network.
Yes. Insurance protects you against unexpected medical costs due to accidents or sudden illness—and gives you access to preventive care.
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