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Health insurance plans include a variety of benefits as well as restrictions. Some of the most common benefits are:

Basic care, to cover specific medical tests, ambulance services, and oxygen. Comprehensive care, to cover both inpatient and outpatient care and hospital services not covered under the basic benefits plan. Hospital or surgical, which cover the costs of surgery related procedures, including diagnostic testing, nursing care and even room and board.
“Riders” benefits, which provide coverage for items such as prescription drugs and eyeglasses. In addition to deductibles and co-payments, health insurance policies may contain other restrictions:

Pre-existing conditions, or health problems that have been diagnosed or treated prior to the effective date of the insurance, frequently require waiting periods before coverage begins. There may also be restrictions on the ability to renew a policy following the end of a coverage period (typically one year).
Medical treatments or services must be declared medically necessary. Generally experimental or cosmetic treatments or services are not covered by health insurances.
Medical expenses should be reasonably priced. These costs are usually determined by statistical analysis of physicians’ charges for particular procedures within a specific geographic area.

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