Individual health insurance policies:

There are varieties of policies, which our insurance companies offer on an individual basis. Some of the more common types of policies include:

1. Major Medical - offers coverage for doctor visits, surgery and hospitalization or ongoing illnesses.

2. Hospital and Surgery - provides coverage solely related to hospital stays and surgical services, such as room and board, laboratory tests, X-rays, plus doctors' charges.

3. Hospital Confinement Indemnity - a policy designed to pay a set amount (an indemnity) for each day you are an "in-patient" at a hospital.

4. Health Maintenance Organizations (HMOs) - centralized service provider, usually with a general practitioner (limited selection of participating doctors) coupled with coverage by specialists upon referral. Doctor visits, surgery, hospitalization and often reduced-rate prescription medicine are provided. It may also cover preventive care, often not included in major medical policies.

5. Specified Disease (also called "Dread Disease") - covers costs associated with a single disease, such as cancer, AIDS, heart attack, etc.

6. Short-term medical policy - typically a major medical policy but with coverage lasting only for a specified length of time. Might be purchased to cover the time you are between jobs.

7. Accident policy - provides coverage for doctor visits, surgery and hospitalization resulting from an accident (no coverage for disease or illness).

8. Dental policy - provides coverage for costs associated with dentists and orthodontists.

9. Vision policy - provides coverage for sight correction

10. Home-Health Care policy - care provided to enable you to remain in your home while receiving services which could range from assisted living (help around the house) to around-the clock nursing with other health care providers on call.

11. Long -Term Care policy - coverage provided to individuals who otherwise would not be able to take care of themselves. A range of services from delivery of prepared meals, aid with managing the residence to stays in residential facilities is offered. It is often associated with long-term illness.

12. Limited Benefit policy - not very common, a bare-bones type of coverage intended to cover specific situations.

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