Health Insurance

Health insurance is a monthly financial agreement between an individual and an insurance company, covering medical expenses in case of illness or injury. Private health insurance is typically employer-sponsored and can be purchased independently, while public health insurance, such as Medicare, Medicaid, and CHIP, is provided by the government.

Medical Expenses Coverage

Health insurance covers a wide range of medical expenses, from routine check-ups to specialized treatments. It ensures that you have access to quality healthcare without the worry of high costs

Prescription Medications

Health insurance often includes coverage for prescription medications, helping you manage your health conditions and ensuring you have access to necessary treatments

Preventive Care

Staying healthy is a priority. Health insurance typically covers preventive services like vaccinations, screenings, and wellness visits, helping you maintain your well-being.

OVERVIEW

SCOPE of COVERAGE

Your Path to Wellness and Peace of Mind

Your health is your most valuable asset, and having the right health insurance ensures that you and your loved ones are covered when you need it most. At Portfolio Insurance Agency, we offer comprehensive health insurance solutions designed to provide you with the care and security you deserve.

When it comes to health insurance, there are several common exclusions you should be aware of. These exclusions specify situations or risks for which your insurance coverage won’t apply. Let’s explore them:

  1. Pregnancy and Related Conditions:
    • Pregnancy, childbirth, abortion, and any treatment arising from or traceable to pregnancy are not covered under a health insurance policy.
  2. Pre-Existing Conditions:
    • If you are suffering from an illness or a medical condition before you bought a health insurance plan, then it would not be covered under the policy.
  3. Cosmetic Surgery:
    • Cosmetic procedures aimed at enhancing appearance rather than treating illness (such as face-lifts or liposuction) are typically not covered, unless they’re part of reconstructive surgery following an accident or surgery for a congenital disability.
  4. Dental, Hearing, and Vision:
    • Dental treatment, hearing aids, and vision-related expenses are often excluded from standard health insurance coverage.

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