Vivna Insurance 

Health insurance is a financial protection plan that helps cover medical expenses such as doctor visits, hospital stays, prescriptions, and preventive care. You pay a monthly premium to maintain coverage, and when you receive care, the insurance company shares the cost based on your plan’s deductible, copayments, and coinsurance rules.

Health insurance costs vary depending on your plan type, age, location, and coverage level. Costs typically include a monthly premium, a deductible that must be paid before coverage begins, and out-of-pocket expenses such as copays and coinsurance when you receive medical services.

Most health insurance plans cover essential medical services such as preventive care, doctor visits, hospital stays, emergency treatment, prescription medications, and certain specialist services. Coverage details vary by plan, so it is important to review the benefits and exclusions carefully.

A deductible is the amount you pay for medical services before your insurance begins paying. A copay is a fixed amount you pay for specific services, such as doctor visits. Coinsurance is a percentage of the cost you pay after meeting your deductible, while the insurance company covers the remaining portion.