Like other forms of insurance, health insurance is not really become an issue until you need it. Car insurance does not do it any good until you get into a car accident. Life assurance not ask you any good until they die. And health insurance does not do any good until you need medical assistance. If you believe in Murphy & 39; s Law? Hat whatever can go wrong, will it? Chicken you probably should consider getting health insurance.
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In some countries, health insurance is offered by private companies, as in the United States. In England, France, Canada, Sweden and Norway, for example, doctors and hospitals are reimbursed by the government, rather than an insurance company.
In the United States, there are three basic types of health insurance:
1) Self-Insured/Uninsured . This is where a person has or does not have health insurance insurance, but it is responsible for paying 100% of the premium. This group is composed estimated to be at least 30% of the EU Population.
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2) Managed Care Plans. Managed Care Plans fall into three categories. All are essentially networks to provide services contracted by specific providers in contracted prices:
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i) Health Maintenance Organizations (HMO) plans are pre where members pay a fixed monthly fee, regardless of the amount of medical assistance is needed in a given month. HMOs provide medical services ranging from office visits to the hospital and surgery, and generally insist that you keep within the network when you need medical services and hospitals.
ii) preferential Provider Organizations (PPO) are groups of doctors and hospitals that provide medical service only for specific groups. PPO members typically pay for services they are provided, and the PPO sponsor typically reimburse the State for the cost of treatment. In most cases, the price for each type of service is negotiated in advance by health providers and the PPO sponsor.
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iii) Point of Service (POS) plans are not as common as the other two. This is a type of management system of health where you pay no deductible and usually only a minimal co-payment when you use a health provider within your network. You also must choose a primary care physician, who is responsible for all references within the network of POS. If you choose to go outside the network of health care, which will be subject to higher rates or deductibles.
3) Indemnity Plans enable the participants to seek medical care whenever they need. Participants can visit any doctor or specialist, as often as they feel necessary. There are no restrictions when it comes to seeking medical help, but this is by far the most expensive type of health insurance plan.
Which of these types of health insurance is right for you will depend on your personal situation. Choosing health insurance coverage is a time-consuming task and it can certainly be frustrating, but it is something that everyone needs to consider sooner or later. To read more articles on health: http://www.articlevillage.com/health-insurance Jimmy is the editor of Article Village Directory. You can submit articles, or find free content on articlevillage.com. mathilde jon
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