Health Care Coverage

Health Care Coverage

Healthcare in the U.S.

Health care costs in the U.S. are high, and it is essential that each person have the coverage that best suits their circumstances. When considering your options, keep in mind that routine visits to a doctor will cost approximately $100 to $200 per office visit. This does not include charges for any tests or medications you may need. Without insurance, a trip to the emergency room will be very expensive, often in the thousands of dollars depending on the circumstances. A day in the hospital could cost thousands of dollars as well. Prescription drugs can also be quite costly, with a single prescription possibly costing $100 or more.

When shopping for health insurance, there are many different options, and it pays to shop carefully. To make an informed choice, begin by familiarizing yourself with the basic insurance terminology. In selecting an insurance policy, be certain to read the “fine print”, i.e. all the details of the plan.

Some Points to Consider

  • Do you require coverage for routine visits and emergency care, or just emergency care?
  • Do you have an existing medical condition for which you will require treatment during your stay at Yale?
  • How much of a monthly premium can you afford?
  • What is the deductible? (the amount you are required to pay before the insurance policy begins to pay)
  • What is the required co-payment? What percentage must you pay and what does the insurance policy pay?
  • Do you need individual or family coverage?
  • Do you want prescription coverage?
  • What is the maximum coverage of the plan? Is there a daily limit on the coverage?

Coverage Options

Options will vary depending upon your Yale affiliation. Choose your Yale affiliation below for more information on health insurance. When seeking health insurance coverage, you will want to be familiar with health insurance terminology. Understanding the basics will help you make an informed choice.

Alternative Healthcare

Alternative health care or alternative medicine generally refers to therapies not typically employed within traditional western medical practice. There is a wide range of alternative practitioners in the New Haven area and includes licensed naturopaths, acupuncturists, chiropractors, and massage therapists. Some alternative health care may be covered by your private health insurance, and you should be in touch with your insurance company to check before you schedule a visit since policies vary widely about what is covered and what is not.

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