Does Full Coverage Health Insurance Cover? 
I will assume you are talking about a health insurance plan that offers first dollar coverage , meaning you pay a premium and the insurance company pays for everything else . In today 's market place , there is no such animal . All plans have some type of cost sharing built into them . It can be in the way of deductibles , copays , or co-insurance . The question could also be referring to what most call major medical insurance . These policies pay your doctor and hospital for treatment you received -LRB- after you pay the copay or deductible -RRB- . There are some plans call indemnity -LRB- sometimes called supplemental -RRB- plans . AFLAC is a well known seller of indemnity plans . While they have their place in the market place , they should not be confused with major medical insurance . Major medical insurance will protect you against a large medical bill -LRB- say $ 100,000 + -RRB- ; while indemnity plans are designed to pay you a fixed about of money based on the limits of the policy . You want to have a major medical plan in place first , then possibly add an indemnity plan second . 