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Every insurance company has their own definition of what is “basic coverage” and what is “major medical coverage.” Some policies combine basic and major medical coverage into one plan, called a "comprehensive plan." Generally, basic protection pays toward the costs of a hospital room and care while you're in the hospital. It covers some hospital services and supplies, such as x-rays and prescribed medicine. Basic coverage also pays toward the cost of surgery, whether it is performed in or out of the hospital, and for some doctor visits. Major medical insurance takes over where your basic coverage leaves off. It covers the cost of long, high-cost illnesses or injuries.
Be sure to check your policy for both types of protections because there may be limits on the amount or number of days your insurance will pay for these services.