Learning about health insurance allows you to make better choices about your health insurance coverage. Unfortunately, there are dozens of types of health insurance on the market. Reviewing the major types will help you understand the health insurance plans that are prevalent in your region so that you can make the best choice about health insurance for you and your family.

• Basic Accident Coverage: This health insurance is designed for emergencies only. This will cover you if you are hit by a car or get in some other kind of serious accident. It does not cover preventative care, and it may or may not have any kind of prescription drug coverage.
• Comprehensive Health Coverage. This health insurance offers you complete care for both accidents and preventative health opportunities. In many cases, comprehensive health coverage will take care of annual physicals, blood work, and regular check ups for a small copay amount. This coverage may be governed by Preferred Provider or Health Management Organization rules that dictate which doctors or hospitals offer coverage under the plan.
• Disability Insurance. This health insurance plan can be purchased alone or as a feature of another health care plan. It provides payments and income support if you become disabled through health problems or some kind of accident.
• Dental Insurance. Dental insurance is a health insurance program designed to ensure you have healthy teeth and gums. It can be added to basic or comprehensive health plans, or it can be purchased as a stand alone policy.
• Vision Insurance. As a special feature on many heath plans, vision insurance is an important health insurance feature to have if your vision is less than perfect. It can cover appointments, contact fittings, and glasses purchases on a regular basis for you.
• Prescription Drug Coverage. Prescription drug coverage helps you manage the costs of your prescription medications. Some policies offer full reimbursement for all of your medications, while others offer you the ability to get a significant discount on your medications.

All of these different types of health insurance can do something for you. Evaluate your needs and then start collecting health care quotes to see what you can get in your area. By knowing the major types of health insurance, you will be able to make the best choice and not waste any of your health care dollar on insurance that doesn't work for you.