This guide addresses general information about different health insurance plans so you may make an informed decision about which one is right for  ... more>>you, but it is not intended to be the sole source for your decision. It goes over plans for businesses and individuals. It includes a glossary and resources at the end for further information. Health insurance has changed over the recent past years and there are more types of plans for consumers to choose from than before. There is an emphasis now on consumers taking responsibility for choosing and understanding their insurance plans. Traditional plans are set up so that you and your dependents go to the doctor of your choice and submit a claim to your insurance company. Whatever your plan covers will be free of cost and anything outside or over that will be charged to you. This amount is determined by your coinsurance and deductibles. Insurance plans usually cover medical and hospital bills and prescription drugs. Health insurance is important in the event of an illness or injury that would be exorbitantly expensive with out insurance. Insurance also helps with routine and preventative health maintenance. You may get coverage through your employer, an individual plan, or through government assistance. When choosing a plan, it is important to consider premiums, coverage, access to healthcare providers, emergency care, how much you will pay after coverage, and any limitations of your policy. This guide will help you understand indemnity insurance, Medicare, Medicaid, HMOs, PPOs, POS, individual plans, and government programs. It includes information regarding pre-existing conditions and changing jobs and will help you make an informed decision about what plan is appropriate for you.

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