Traditional health insurance may be obtained through your employer, trade group or purchased independently. Health Insurance plans generally cover inpatient care such as hospital admissions and short-term nursing and rehabilitation in a nursing facility. Most plans also cover outpatient services such as physician visits, x-rays, lab tests, medications and therapy. Health Insurance plans usually do not cover extended stays or long-term care in a nursing facility or assisted living facility.
Health Insurance plans taking the form of an HMO or PPO will often contract with a limited group of inpatient and outpatient providers.