Health Insurance for Newborns and Nicotine Testing Rules

Choosing between basic and major medical health insurance affects coverage for newborns and surgeries. Many insurance companies now conduct nicotine tests for policyholders.

Mature doctor listening to his happy patients chest with stethoscope

Difference Between Basic Insurance & Major Medical Insurance

Published Jun,13 2017 | By Jenni Wiltz

Choosing a health care plan often comes down to cost, but don't forget to compare the monthly premium with the amount of coverage you get. Major medical insurance is designed to cover you during everything from routine check-ups to major catastrophic events.

Jenni Wiltz's fiction has been published in "The Portland Review," "Sacramento News & Review" and "The Copperfield Review." She has a bachelor's degree in English and history from the University of California, Davis and is working on a master's degree in English at Sacramento State. She has worked as a grant coordinator, senior editor and advertising copywriter and has been a professional writer since 2003.