This ensures that the consumers who are making use of the medical facilities the most will be paying more that those members who seldom visit a doctor.
Prescribed medication will be given to the consumer, but only generics will be given if expensive drugs are prescribed.
There are medial plans that have a limited amount that may be spent on each category of medical services.
You as a consumer will have to pay a certain amount per month or per annum and this is divided up into various categories.
For instance there are allowances made for eye testing and spectacles, for dentistry work, for visits to your general practitioner, prescribed medication and so on.
Once the amounts for the different categories have been depleted you will have to wait until the following year for the amounts to be replenished again.
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When you are in the market for health insurance you will have to assess your family's needs and then choose a medical plan to suit them.
The medical plan that you join must give you adequate covering for all the medical problems your family might have but on the other hand you will not want to pay for anything that you will not be using.
For instance if your family rarely gets sick and requires medical attention it is silly to pay for a plan that allows for day to day care.
It would be better to just have a plan that covers the unexpected expensive procedures.
Hospitalization and all that goes with it can be very expensive so if you had a hospital plan your family would be adequately covered for any unexpected illness or accident.
The few times in a year that a member of your family had to visit a doctor you could just pay for that yourself.