What does health insurance usually cover? -

i know it also depends on the company It depends on the type of plan. Hospitalization only covers you if you're admitted into the hospital. Major Medical often covers both inpatient hospitalizations and outpatient care in a doctor's office. Most plans allow preventative care, some do not. Most basically, health insurance covers medically necessary procedures. The coverage will vary depending upon the plan you choose. You choose options like deductibles, copays, prescription drug coverage, doctor's office visits, maternity coverage, preventative care and wellness benefits. Of course the more options you add the higher the monthly premium (cost).