Plans Individual Health Insurance
In a country like the U.S., if you do not wish to be buried in debt, you need health
insurance for you and your family. If you are employed or self-employed, you
must have good health insurance coverage to pay your medical bills. However, no
single health insurance plan for all benefits and costs vary from one individual to
another (age, health, etc.). To make a good choice, you need to know what benefits
they are seeking, and examine each to find the plan that best meets their needs.
Even if you have several options when choosing their health insurance, finding the
right plan can be difficult. In general, individual health insurance is a form of
contract between you and an insurer (insurance company) to pay all or most
medical expenses, including hospitalization, medications, dental care, see a
specialist, and some treatment ( radiotherapy, chemotherapy, etc.). Whatever your
needs, you will most likely need to choose one of these plans, Fee-for-service,
HMO (Health Maintenance Organizations), or (PPOs) participating provider
Fee for service – also known as indemnity plans, is a type of insurance plan that
the patient, to pay all medical expenses out of pocket and then seek reimbursement
from the insurance company. These types of projects have their advantages and
Advantages: offer greater flexibility in choosing your doctor. You can decide the
time to see provider of health care, and what treatment you want as long as it
remains within the limits that your insurer will pay dividends
Disadvantages: compensation plans, most doctors require payment in advance, so
you have to submit claim forms to the insurance company for a refund. Which
requires the paper work and sometimes, many phone calls. Payment service plans
offer limited benefits do not cover annual physical and educational programs.
HMO (Health Maintenance Organizations) – maintenance organizations (HMO)
plans are managed health care coverage available to its members through hospitals,
doctors and other health professionals who are in their network. That is, with its
service, limited to members of your network.
Advantages: Unlike fee-for service plans, you pay in advance, although some of
them require a copayment. Is not it necessary forms to submit forms after
reimbursement. In addition, HMOs usually charge a lower cost.
Disadvantages: You can use the providers of health care that are associated with
the organization. Most HMO (health maintenance organizations) tend to reject
certain treatments. While some accept HMO members to see your doctor or
specialists who are not in your network, often charge additional fees.
(OPP) participating provider organization – also known as Preferred Provider
Organizations, is a form of managed care organization of physicians, hospitals,
clinics and other healthcare professionals who sign a contract with an insurance
company to provide health services its members at reduced prices. Typically, PPOs
cost more than traditional HMOs but offer more options to their members.
Advantages: Preferred Provider Organizations offer more flexibility to its
members, have a wider network of physicians and hospitals. You can take the
service of health professionals who are not part of their networks (often apply
certain charges). Low copayments for care of primary care physicians. Also, do not
need a referral to see a specialist.
Disadvantages: PPO cost more than traditional HMOs. You could do more co-
payments (usually $ 10 to $ 30) when you visit a health professional.
Why some health insurance companies provide better service to their members
Yes Some insurers offer a better service to its members. For more information
about health insurance individual plan providing health insurance to meet in the