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Health Insurance Faq
INDIVIDUAL HEALTH INSURANCE FAQ
1. What is the difference between individual and family
health insurance policies?
As the name suggests the individual
insurance policy holder will receive the policy benefits for him,
but in the
family insurance each member listed in the policy would enjoy the
benefits.
2. What are employee assistance programs?
The insurance
companies or the employers sometimes provide extra services, such as mental
health counseling. This service does not require any direct payment by
the individual or the employer.
3. What is HMO?
Health maintenance organization- they are more useful
when used under the
group insurance plan. They are very cheap but do not give you much
freedom. The main advantage here is you escape from the burden of going
through a lot of paper work. You also receive coverage for health promotion
programs. But the only drawback here is you are allowed to receive treatment
only from a specific set of doctors. Or else you have to pay.
4. Which is best the POS or the FFS?
Flexibility is the main difference between the point
of service and the fee-for-service plan. The ffs allows you to enjoy maximum
flexibility but it is more expensive and has additional paperwork. In
pos there is only limited freedom so it’s not as flexible as the ffs.
In pos you have to choose a primary care physician, if he is not in the
list then you having to pay your own bill. But in ffs you can choose your
own doctors and hospitals. So if you do not mind about the expense then
ffs is advantageous
5. Why should I pay the co-payment?
The insurance
company asks you for the co-payment before you buy your health insurance
policy. The company asks for the co-payment for doctor’s visits or prescription
medication
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