Medical coverage refers to the financial protection provided by health insurance plans for various healthcare services. This can include doctor visits, hospital stays, surgeries, and prescription medications. Individuals typically pay a monthly premium, along with out-of-pocket costs like deductibles and copayments, to access these services. Different types of medical coverage exist, such as HMO (Health Maintenance Organization), PPO (Preferred Provider Organization), and EPO (Exclusive Provider Organization). Each type has its own rules regarding provider networks and costs. Understanding these options helps individuals choose the best plan for their healthcare needs.