The cost of health care in the United States is expensive and is escalating. A majority of Americans can not afford the cost of drugs is the doctors' fees, or hospitalization without some form of health insurance. Health insurance is a contract between an insurance company and an individual or a group for the payment of the costs of medical care. According to the person or group pays a premium for insurance, the insurance pays for part or all of the medicalCosts depending on the type of insurance and services provided. The type of insurance bought to go big influence, where you provide for health care, the health care, and what medical procedures are performed. The three basic health insurance plans include a private, fee-for-service plan, a prepaid group plan, and a public government-funded plan.
Private fee-for-service insurance plan
Until recently, private, fee-for-service insurance wasThe basic form of health insurance coverage. In this plan, an individual pays a monthly premium, usually by an employer, a health guarantee on a fee-far-service basis. On emergence have medical costs, paid for the patient files a claim to a portion of these costs from the insurance. Typically, a deductible is an amount of the patients are paid before entitlement to benefits under the insurance. For example, if your costs are $ 1000, you may need to$ 200 to pay before the insurance pays the other $ 800. In general, lower the deductible, the higher the premiums will be. After the deductible is met the insurance provider pays a percentage of the remaining balance.
In general, there are fixed compensation benefits, certain amounts that are paid for certain procedures. If your insurance company will pay $ 500 for a tonsillectomy and the actual cost was 1000, you can thank the health care provider $ 500. Often, there are exceptions, certainServices that are not covered by the policy. Examples include elective surgery, dental care, vision care, and coverage of existing illnesses and injuries. Some insurance plans offer options for adding dental and vision Care Other common options include life insurance, which pays a death, and disability insurance, which pays for loss of income due to the inability to work due to illness or injury. Added more options to the insurance, the more expensivethe insurance is.
A strategy that insurance companies use to lower insurance premiums and out-of-pocket costs to the consumer is the formation of preferred provider organization (PPO). A PPO is a group of private physicians who provide services to sell, reduced rates for insurance. If a patient chooses a provider that is in this society PPO, the insurance pays a higher percentage of the fee. If a non-PPO provider is used, a much smaller part of the remunerationpaid.
A big advantage of a fee-for-service plan is that the patient has in the selection of options in health care providers. Some disadvantages are that patients do not routinely You may obtain comprehensive, preventive medicine, health care costs for patients can be high when an unexpected illness or injury occur, and there may be heavy demands on time in the pursuit of medical records, bills and insurance reimbursement forms .
Prepaid GroupInsurance
In group insurance, prepaid health care) is organized by a group of doctors in a health maintenance organization (HMO provided. HMOs are managed health care plans that provide a wide range of medical services for a prepaid amount. To be paid a fixed monthly fee, typically by wage and payroll deductions by an employer, and often a small deductible, enrollees receive care from doctors, specialists, allied health professionals andEducators who hire or contract received from the insurance company. HMOs offer the advantage that they provide comprehensive care including preventive care at a lower cost than private insurance over a long period of reporting. A disadvantage is that patients in the choice of providers are limited to those who belong to an HMO.
Government insurance
In a national health insurance plan of the government at the federal, state or local level is for the health costs of elgibleParticipants. Two prominent examples of this plan are Medicare and Medicaid. Medicare is financed by payroll taxes and is intended to care for persons 65 years and offer older, the blind, the disabled, and those specific treatments such as dialysis. Medicaid is subsidized by federal and state taxes. It provides limited health care, usually for persons eligible for benefits and assistance from two programs: aid toFamilies with Dependent Children and extra security income.
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