health plan

A health plan is an insurance policy that helps cover the costs of medical care. It typically involves paying a monthly premium and, in return, the plan pays for doctor visits, hospital stays, prescription medications, and other health services, either fully or partly. Health plans may also have networks of preferred providers, which can affect costs and choices. The goal is to protect you financially and ensure access to necessary healthcare. Different plans vary in coverage, costs, and provider options, so choosing the right one depends on your health needs and budget.