Heartwood Extended Health Care (EH) is a type of insurance policy that provides coverage for health care expenses that are not typically covered by a basic health insurance plan. These expenses can include things like dental care, prescription drugs, rehabilitation services, and medical equipment. EH policies are usually purchased as an add-on to a basic health insurance plan, and they can be tailored to meet the specific needs of the policyholder.
EH policies can be provided by various insurance providers, including Heartwood. It’s not clear if Heartwood specifically only provides Extended health care, as it is not provided any additional information you have provided. Usually the best way to find more information is to contact the insurance provider directly to ask about their specific EH policies and coverage options.
It’s also important to review the specific policy’s coverage and benefits, as well as the cost, before making a decision to purchase an EH policy. It’s also important to compare different policies from different providers to see which one best suits your needs.
Heartwood Extended Health Care policies
Heartwood Extended Health Care policies, also known as supplemental insurance policies, can provide coverage for a wide range of health care expenses that are not typically covered by a basic health insurance plan. Some of the most common types of expenses covered by EH policies include:
- Dental care: Many EH policies provide coverage for routine dental care, such as cleanings, fillings, and extractions, as well as more extensive procedures like root canals and dental implants.
- Prescription drugs: EH policies can help cover the cost of prescription drugs that are not covered by basic health insurance.
- Rehabilitation services: EH policies can provide coverage for physical therapy, occupational therapy, and other types of rehabilitation services that may be needed following an injury or illness.
- Medical equipment: EH policies can help cover the cost of medical equipment such as crutches, wheelchairs, and other assistive devices that may be required following an illness or injury.
- Vision care: EH policies can help cover costs for eye exams, glasses, contact lenses, and even laser eye surgery.
- Behavioral health: Some EH policies may also provide coverage for behavioral health services such as mental health therapy, counseling and psychiatric care.
Keep in mind that different EH policies can have different coverage limits, exclusions, and requirements, so it’s important to carefully review the policy details and compare different options to see which one best suits your needs. It’s also important to check if the policy is compliant with your country’s regulations and system.
Counseling and psychiatric care
Counseling and psychiatric care are forms of behavioral health care that can be covered by some EH policies. Counseling typically refers to talk therapy sessions with a licensed therapist, counselor, or psychologist. These sessions can be used to help individuals work through a wide range of emotional and mental health issues, such as stress, anxiety, depression, grief, and relationship problems.
Psychiatric care, on the other hand, is typically provided by a licensed psychiatrist and may involve a combination of talk therapy and medication management. Psychiatric care is typically used to treat more severe mental health conditions such as bipolar disorder, schizophrenia, and severe depression.
EH policies can vary in terms of what types of behavioral health care they cover and to what extent. Some policies may provide full coverage for counseling and psychiatric care, while others may only cover a certain number of sessions per year or may have limits on the amount of coverage available for these services.
It’s also important to note that some policies may require you to see an in-network provider, while others may allow you to see an out-of-network provider with a higher cost, or even require a referral from a primary care physician.
Before deciding to purchase a policy, you should carefully review the policy details to see what types of behavioral health care are covered, what the coverage limits are, and whether you will need to see an in-network provider in order to have the service covered.