Will my insurance plan cover me both on the job and off?
 
You will find that many health insurance plans have some sort of exclusion policy that covers anything that you might be covered for by the Workers Compensation law.
 
So, I could have been covered?
 
It is true that you could have been covered, that is why so many people who are self employed and who own small businesses do not feel the need to have Workers Compensation. 
If you don't need to have a Workers Compensation policy by law, then there are various insurance policies that will cover you while at work and even when you are not. 
 
Deductions
 
Many people who own their businesses and work for themselves don't realize that they can use the tax laws to their advantage, they don't realize that they can have their insurance premiums deducted before tax is deducted. If you are unsure if you are able to do that, you can visit an IRS site that should be able to give you the information you seek. 
 
Pay Out Limits
 
Almost every insurance plan in existence has limits with regard to the amount they will pay for various procedures, there are two methods by which they decide this:
 
Scheduled Benefits are set amounts that has been previously determined with regard to how much will be paid out for things such as hospital stays, various types of tests and visits to your local doctor. It is vitally important, that if you join a health insurance company that you take note of their benefit payout limits so that you know exactly how much they will actually cover for various things. 
 
Customary and Usual is the general rate that most doctors and hospitals charge for their services and it is the rate that will be paid out for their services. This type of payout is also the highest and offers the best coverage. 
 
Take the Time to Look for Better Options
 
One of the best things a person could do is to actually take the time to search for an insurance plan that suits their needs and not just go along with the first one you find, it is also important that you make the effort to learn everything about your chosen health insurer that you possibly can. This way there are no unexpected surprises, with this in mind you should also ask what fee you will be charged by your doctor and hospital and not just expect your health insurance to cover the expense, you won't receive any outstanding bills this way.
 
Medical Professionals and Discounted Services
 
You will find that all insurers work with doctors and other medical professionals in some way, basically the doctors will sign a contract with the health insurance company that states that they will charge a discounted fee for their services people who are part of that particular health insurance. This is why it is important that you take the time to find out which doctors and hospitals are on the health insurers network list, this way you know which to go to so that your visits are actually covered. 
 
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