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Types Of Health Insurance Plans
A variety of health insurance plans are available to
the individual and families,and also to the smaller or larger employee
groups.Some plans are,
Medical Expenses Plans - pay
expenses incurred for diagnosis and treatment of medical conditions.
Reimbursement and Fixed Allowance Insurance Plans
(Department of Insurance Jurisdiction)
Full preference plans allow you to choose any doctor
and hospital. You can also choose the amount of the "deductible"
you must pay before the plan pays anything. After the deductible is met,
a percentage of all your fixed cost is usually covered. The disparity
between the percentage the plan pays and the amount charged is the "co-amount"
that you must pay. The policy or employer benefit booklet resolve spell
out the terms and conditions of what is covered and what in not covered.
Read this contract BEFORE you need to use the plan and ask your agent
or employer to give details anything which is unclear to you. favorite
Provider Organization (PPO) Plans allow you to choose a doctor or hospital
from a list of "preferred" providers in order to receive full
benefits. If you go to a doctor or hospital who is not on the list, the
plan may cover a smaller percentage or none of your costs. Check with
the insurance carrier BEFORE you use the plan to make certain your physician
or hospital is a contracting provider. Make certain your doctor refers
you to other providers who are on the list, or who the carrier agrees
to pay at the "preferred" rate. Individual Plans are a good
alternative if you are not able to get coverage through your employer.
A pre-existing condition, such as a past illness, must be covered after
one year. However, the insurance company will decide on the basis of your
health history if they will issue the coverage. Multiple Employer welfare
Arrangements(MEWA) may be insured or partially -insured plans. They are
typically marketed to self-employed individuals or small employers through
membership in a trade or other association. The California Insurance Code
now requires MEWA’s to obtain a "Certificate of Compliance"
and to set aside financial reserves to operate. They must comply with
the health care reforms effective after July 1993. These plans can only
be sold through a licensed life insurance agent.
Click the following to get the details of each plans what they do and
how do they provide the plans.
w HMO
Plans - Health Maintanence Organization
w HIPAA
Plans - Health insurance Portability And Accountability Act
w POS
Plans - Point of service
w PPO
Plans - Preffered Provider Organization
w HSA
Plans - Health Savings Account
For more informations on our services contact insurance
brokers John Good|
Kelly Good
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