The United States are about five different types of health insurance: health insurance, traditional; Preferred provider organizations or PPO; Plans for point of service or point of sale; Management of health care organizations or HMO; and finally, health savings accounts or it has. With so many types of health insurance, you can try to find out what best suits your requirements, carefully research and speak with a professional, it is necessary to clarify the confusion.
Traditional health insurance is that many people think that, if we consider the health insurance. She has a number of the insurance premium per month and an accident or a medical insurance deductible needs numbers, and then the insurance company brings the rest of the Bill. Has an Office or a recipe with low cost products of traditional insurance.
With health insurance, more and more people live companies began looking for other ways to reduce, for the development of different health insurance companies as a cost PPO. The PPO, almost all of which will cover their medical expenses, while staying in a preferred network physicians or hospitals is provided. This network creates a list of "preferred suppliers", as you choose. Treatment outside this network of providers is covered, but only at a reduced rate, which means that they end up paying more for a doctor outside the system. Covered by the limitation of doctors and hospitals in the network, can the insurance company, to a certain extent, control costs and reduce premiums. POS plans as PPO works, but you must have a primary care physician, who can receive recommendations of specialists. Need a neurologist or a dermatologist to see, needs to be your primary health care for the initial diagnosis doctor visit for the first time, to obtain a referral to a specialist for a more thorough diagnosis. Also includes a preferred provider network of POS, and if, a specialist or doctor away visit to this network, coverage will only.
The HMO combines a stricter version of the PPO and POS plans. HMOS often a ready set of doctors, much less that the PPO network, you can see. Faced with everyone, if you can see a doctor outside the HMO network. In addition to a reference from your HMO primary care throughout the medical world will find specialist to retrieve. These restrictions mean that paying an additional low monthly or any raw material.
HSAs were signed by President Bush. You can deposit money from savings accounts, transfer of interest not collected in a special, to be used for medical expenses. The account is that the ideal situation for an HSA with a high floor and low-cost insurance deductible. The savings account designed to meet the deductible, if you find the need to cover medical expenses, while the rest of the Bill will collect the insurance company.
Once again, it is important to consider carefully the options prior to selecting a single health insurance. Health is important to ensure that the best protection.
0 comment:
Post a Comment