Long term disability and medical insurance are two completely different animals. Long term disability replaces a portion of your income during the time you are unable to work at your full time occupation due to a covered accident or illness. Claims payments are made directly to the insured.
Medical insurance is designed to pay a portion of the medical bills derived from care you receive from doctors, hospitals, and other healthcare providers. Claims payments are made directly to the providers unless assigned elsewhere.
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Medical insurance is designed to pay a portion of the medical bills derived from care you receive from doctors, hospitals, and other healthcare providers. Claims payments are made directly to the providers unless assigned elsewhere.