| |
The
rising cost of medical care and the resulting
pressure on health insurance premiums makes health
insurance top priority if you want to have your
health expenses covered at a reasonable cost.
The current health insurance system is quite complex
and constantly changing. The information below
may help answer your questions: |
|
| |
|
|
| |
HEALTH INSURANCE : |
|
| |
|
|
| |
1.
What kinds of health insurance are there?
|
|
| |
|
|
| |
2.
How do I pick a health plan? |
|
| |
|
|
| |
3. Can I buy an
individual policy?
|
|
| |
|
|
| |
4.
If I change jobs or become unemployed, can I bring
my coverage with me?
|
|
| |
|
|
| |
5. Where can I get more information
regarding health insurance? |
|
| |
|
|
| |
LONG-TERM CARE INSURANCE
: |
|
| |
|
|
| |
1. Should I buy long-term care insurance?
|
|
| |
|
|
| |
2. How can I save on long-term care
insurance? |
|
| |
|
|
| |
Kinds of Health Insurance
: |
|
| |
|
|
| |
What kinds of health insurance
are there? |
|
| |
There are essentially two kinds of
heath insurance: Fee-for-Service and Managed Care.
Although these plans differ, they both cover an
array of medical, surgical and hospital expenses.
Most cover prescription drugs and some also offer
dental coverage.
|
|
| |
|
|
| |
Fee-for-Service
: |
|
| |
These plans generally assume that
the medical professional will be paid a fee for
each service provided to the patient. Patients are
seen by a doctor of their choice and the claim is
filed by either the medical provider or the patient. |
|
| |
|
|
| |
Managed Care
: |
|
| |
More than half of all Americans have
some kind of managed-care plan. Various plans work
differently and can include: health maintenance
organizations (HM0s), preferred provider organizations
(PPOs) and point-of-service (POS) plans. These plans
provide comprehensive health services to their members
and offer financial incentives to patients who use
the providers in the plan. |
|
| |
|
|
