Health Insurance

Good health is a great asset. Radiant health has become synonymous with beauty, happiness and success – all you people ever fought. We are concerned about our health, we do things for our health, restore and strengthen our health and even drink the health of people who care. It is a universal custom of giving and receiving good wishes for health and welfare. If you do, we realize that health is the most important and desirable thing in life, and who generously wish our closest relatives in good health throughout his life.

Today, maintaining good health is becoming more and more expensive. It is more expensive than if ill health. Costly medical care, treatment and procedures, tests, medications, surgery and hospital treatment costs of headaches tend to increase existing health problems of a patient. Health insurance is an effective method to cure this headache.


It may not be able to afford expensive medical services when you fall sick without good health insurance. Health insurance ensures that the insurer will pay medical expenses if they get sick from covered causes or accidents. The U.S. health system is practically on the basis of health insurance that comes in a variety of options.

Health Insurance Types

Most Americans use Group Health Insurance obtained at work. Usually, the employer pays part or all of the medical expenses that your employees get sick. Group insurance is the least expensive type of health insurance. Some employers offer only one health insurance plan and some may offer a choice of plans. Under the Consolidated Omnibus Budget Reconciliation Act (COBRA), if you happen to change jobs, you are entitled to coverage with Group Insurance with you for a new job for up to 18 months.

If you are a part-time worker or work for a small company, your employer can not offer insurance, or you may find that your insurance plan is very limited. In this case, you have an option for group insurance through membership of a professional association, union, or a club, or you can buy an individual policy.

There are basically two types of health insurance: Payment for Service (Indemnity) and managed care. The health insurance policies can vary from low-cost all-inclusive, meeting the demands of customers. What kind of health insurance and the plan you choose depends largely on your needs, preferences and budget. Pay-for-service health care is a traditional type of policy. As its name implies, insurance companies pay the medical expenses of personnel of each service rendered to an insured patient. Pay-for-Service Health Insurance offers a wide choice of doctors and hospitals. Choosing any trust your doctor, change doctors any time you like and go to any hospital in the country are some of the benefits of such policies.

Fee-for-service coverage is divided into categories of base and Major Medical protection. Offers basic protection to the costs of a hospital room, hospital services, care and supplies, the cost of surgery in or out of hospital and doctor visits. Major Medical pays for protection from serious diseases and injuries, which often require long-term treatment and rehabilitation period. Commodities and the largest combined medical insurance coverage are called Plan Comprehensive Health Care. It is very important to know your insurance policy, as some services may be limited and some are not covered in all.

The insurer does not pay all medical bills. You pay a monthly premium and an annual deductible before the health plan begins to pay part of their bills. After gathering the amount of your deductible for the year, start sharing the bill with your insurance company. In general, it is your 20 percent (coinsurance) and percent of the insurer 80. Continuing to pay the percentage of each bill, the maximum extent of their plan. This is the time when the insurance plan pays 100 percent of medical expenses covered by the remainder of the period of one year.

In order to receive payment for Pay-for-service claims, you or your doctor will have to fill out forms and send them to your insurer. It is important to keep track of all your medical expenses, such as receipts for medicines, etc. If your preference is important in choosing a health plan is flexible and has no strict budget limits, you should consider buying plan compensation.

Managed Care

If you choose the most suitable health insurance plan its main objective is to minimize costs, a managed care plan may be the best option for you. Managed Care the basic principle is to provide lower medical costs in exchange for a more limited supply. There are three types of managed care plans: Health Maintenance Organizations (HM0s), Preferred Provider Organizations (PPO) and Point of Service (POS).

The main differences Managed Care Fee-for-service plans are within two facts: the number of doctors and hospitals participating in the management plans is limited, and you have to find either that the plans include your specialist or to learn that their plans have already joined specialists. The other aspect of no small importance is that in order to keep costs down, the doctor chosen is recommended to monitor the types of services you receive and you may need to approve a hospital or specialist that has to do, what depriving these compensation schemes offer the flexibility plans.

Health Maintenance Organizations (HMO) Plan has an advantage over low premiums. With the HMO plan, you must select a primary care physician to serve your health needs and referrals to other providers within the network when needed. This health care plan pays benefits only when applied to doctors and hospitals in the HMO’s network. The coverage of services outside the network is usually provided only for emergencies. Preferred Provider Organization (PPO) is a combination of HMOs and plans Fee-for-Service. As in the HMO, PPO medical treatment is fully covered if provided by a physician or hospital of reference to the PPO network. Policyholders receive basic medical care and pay fixed premiums on a monthly basis.

With the PPO plan are not required to choose a primary care physician and do not require referrals to see specialists. However, if you wish to apply for medical treatment outside the plan network, you pay more than people who use healthcare providers within the PPO plan. Thus, with the PPO plan, you can choose between freedom of choice of paying medical bills over him and the opportunity to receive medical services at a lower cost of network doctors.

Point of sale (POS) Plan:

If you decide to enroll in a POS plan, you must choose a primary care physician (PCP) within the health care network that will monitor your health care. The primary care physician of your choice can make referrals to other providers in the plan and outside the network. If your doctor forced out of the network, plan pays all or most of the bill. POS plan members may also apply outside the plan. However, in this case, your health insurance company offered only a fraction of the coverage. If you are referring to a doctor outside the network and medical services are covered by the plan, you will pay coinsurance.

With POS, you have more freedom and are not limited to network providers of the HMO only. Network-care co-payments are very low and no deductible. A procedure for medical visits within the health care network is usually completed for you. However, there is a deductible for care outside the network and outside the network co-payments are very high. Employment and medical services outside the network, you must fill out the forms yourself, and send invoices for payment, and maintain a revenue account for the care of health care.