The soaring cost of medical care and the resulting pressure on health insurance premiums has become a top-priority for employers, employees, the federal government, and recipients of various government health insurance plans. A good health insurance plan can be the best employee benefit you receive because its coverage would be extremely expensive for you on your own. Adequate health insurance is critical because you could be easily devastated financially if you or a family member needs major surgery or long-term medical care. The optimal, traditional, fee-for-service indemnity (in-dem-nih-tee) policy is divided into two basic plans. The basic plan reimburses you for your doctor's bills, drugs, outpatient surgical procedures and other medical expenses up to a certain limit. The second plan, called major medical, covers hospital visits and other major medical procedures. The basic plan, which may be offered directly by your employer or by an outside insurance company, usually requires deductibles of one hundred to one thousand dollars or more before your bills are reimbursed. If you must purchase a policy on your own, be sure that you can renew it, regardless of how many claims you make. For additional information, please consult a health insurance agent.