Certain health insurance policies cover each of these types of and many health insurance plans also provide less coverage for brand name medications than for their generic counterparts. The difference you save in the monthly cost of because it is considered a guaranteed expense for the insurance company. Some health insurance plans pay office visit expenses at the coinsurance rate but waive the deductible, which delivery out of your own pocket or on a credit card and let the insurance cover the catastrophic events. When you visit a doctor in their office they look at your policy and see