If I already have major medical coverage, will I still need prescription drug coverage?

Major medical insurance usually includes prescription drug coverage. Therefore, separate prescription drug coverage is usually not necessary to purchase.

Nevertheless, not all major medical plans are the same. Reading your policy carefully and finding out exactly what it covers will make sure that your medical insurance is sufficient.

If your medical plan does include prescription drugs, it might not provide all of the necessary coverage that you might necessitate. There are two types of major medical insurance:

Supplemental major medical – this only provides coverage after regular medical insurance has worn out.

Comprehensive major medical – used to pick up where basic medical insurance leaves off

In order to purchase supplemental medical insurance, a basic health insurance plan would first need to be purchased.

Supplemental major medical coverage is usually written in a separate policy and doesn’t include coverage for usual doctor visits.

Comprehensive major medical plans usually include the following coverage:

Hospital expense insurance: pays board and room expenses if you are hospitalized.
 
Physicians’ expense insurance: “regular medical insurance” pays for doctor visits, doctor house calls, and visits to the hospital

Major medical: offers broad coverage

Surgical expense insurance: pays for surgeons’ fees and costs associated with surgery. This includes fees for an assistant surgeon, operating room and anesthesiologist.