How does health insurance work?

In California, health insurance is a type of insurance that covers medical expenses, such as hospital visits, doctor visits, and prescribed medications. Depending on the type of health insurance plan, it may also cover preventive care, like vaccinations, as well as dental and vision care. Health insurance works when you purchase a health insurance plan from an insurance provider. This plan will pay for some or all of the medical costs you incur, depending on the amount of coverage you purchase. Once you have the health insurance plan, you will typically pay a monthly premium, which is an amount you pay every month to keep your policy active. When you visit a medical provider, like a doctor or hospital, they will typically bill your health insurance provider first. Your health insurance plan will pay the provider based on the terms of the plan, and then you may be responsible for any balance that remains. The costs and coverage of a health insurance plan will vary based on the type of plan, the coverage you have chosen, and the state laws regarding health insurance. It is important to remember that health insurance is not free and if you are unable to pay the monthly premiums, your health insurance policy may be canceled or suspended. In addition, it is important to understand the coverage you have purchased and the costs you may incur for medical services. This will help you make the best decisions for your healthcare needs.

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