Major medical insurance covers extended major injuries and illnesses, the type of devastating health problems that can ruin you financially.

If you don’t have insurance, this type of policy is probably your highest priority. Major usually covers problems that aren’t included in basic health. For this reason, both major medical and basic health are generally sold in a package deal called comprehensive health insurance. Major medical benefits typically include hospitalization, doctor fees, diagnostic work, surgery, home care, rehabilitation, blood and drugs. It is designed to cover prolonged treatment so no time limits are implemented. However, you are usually responsible for co-payments, deductibles and twenty percent of the charges.