What is Heritage Health Insurance?

Introduction:

Heritage Health Insurance is a plan that offers affordable medical coverage for individuals over the age of 65. It covers all the services listed under the Medicare Parts A and B programs, along with many additional services that are deemed necessary by the medical provider. In this article, we will explore what Heritage Health Insurance is, the coverage it provides, and the different plans available to choose from.

 

What is Heritage Health Insurance?

Heritage Health Insurance is a medical insurance policy that covers you for all the services listed under the Medicare Parts A and B programs. This policy provides coverage for inpatient care, outpatient care, and prescription drugs. It is designed to provide medical coverage that may not be affordable on your own.

 

Coverage and Benefits:

The Heritage Health Insurance policy provides coverage for all services listed under the Medicare Parts A and B programs, along with many additional services that are deemed necessary by the medical provider. The policy offers inpatient and outpatient care, along with prescription drug coverage. It also offers a discount card that allows you to fill one prescription drug at a time.

 

Different Plans Available:

Heritage Health Insurance offers several different plans to choose from, depending on your needs and budget. Some of the major plans include:

 

1. Inpatient only - This plan offers coverage when you are in the hospital on an inpatient basis. Medical coverage is limited to the extent that your hospital stays are extended. It also offers prescription drug coverage as part of your medical insurance policy.

 

2. Preferred provider organization - This plan requires that you use a specific doctor within their network. If you have a preference for a primary care physician other than the ones provided through the plan, you may have to pay a higher premium or find other ways of getting your doctor's prescription drug coverage. People who choose this plan must also stay within the network until they have reached the age of 65.

 

3. Part D - This plan offers prescription drug coverage. However, you are not required to enroll in this plan. The prescription drug that you are covered for is subject to a spending limit. If you reach the spending limit on a drug, you can stop using it and will have to find another drug to cover the remainder of the prescription cost.

 

Conclusion:

Heritage Health Insurance is a great option for individuals over the age of 65 who need affordable medical coverage. It covers all the services listed under the Medicare Parts A and B programs, along with many additional services. With various plans to choose from, it's essential to understand your options and choose the one that best suits your needs and budget.