In the United States, there are about five different types of health insurance available: traditional health insurance; preferred provider organizations or PPOs; point-of-service plans or POS; health management organizations or HMOs; and most recently, health savings accounts or HSAs. With so many types of health insurance, it may be confusing trying to figure out which one best fits your needs, so thoroughly research each and speak with a professional if you need clarification.

Health Insurance for Every Need
Health Insurance for Every Need

Traditional health insurance is the one that most people think of when they think of health insurance. You pay the insurance company a premium every month, and if you have an accident or need for health coverage, you have a deductible amount you must pay and then the insurance company picks up the rest of the bill. You often have an inexpensive office and/or prescription co-pay with traditional health insurance.

Health insurance is important for both single and married. Because health is the property of all ages, ages and do not recognize marital status. According to Kimberly Lankford author of "The Insurance Maze: health insurance is a must have because it not only protects health but also all financial planning.

With people living longer, health insurance companies began to look for more ways to reduce their costs, developing different health plans such as PPOs. PPOs are plans which will cover nearly all of your medical expenses as long as you stay within a preferred network of physicians or hospitals. This network creates a "preferred provider" list that you can choose from. Treatment outside this network of providers is covered but only at a reduced rate, meaning you end up paying more to see a physician outside the network. By limiting the physicians and hospitals covered in their network, the insurance company can control, to an extent, their costs and lower your premiums. POS plans work like PPOs, but require you to have a primary care physician through whom you can receive referrals for specialists. If you need to see a neurologist or a dermatologist, you must first visit your primary care physician for an initial diagnosis in order to receive a referral to a specialist for a more thorough diagnosis. POS plans also have a preferred provider network, and if you choose to visit a specialist or physician outside that network, your coverage will be limited.

Things to watch out for before buying health insurance:

  • Maximum guarantee. The bigger the numbers given by the health insurance companies the better.
  • The larger the cuts are, the better. Shocking is not it? But it is to pay all your bills.
  • Choose pure health insurance for maximum coverage.
  • Find an old player of reliable health insurance agent.
  • Check with your hospital or doctor, which insurance is their partner / recommendation. Because the hospital will definitely choose the insurance that quickly claim process for the payment process.
  • There are health insurance systems that use reimbursement system and some are enough to show health insurance membership card. The first system usually applies to all hospitals. The second model applies to partners only. Ask the health insurance provider, which hospitals are their partners.
  • If you already have health insurance, check again what has or has not been covered. If it does not fit your needs, add a type of health insurance that fills the difference between your needs. Should not continue that, if all the needs of health insurance has been met. Better allocate your funds for other investments.
  • For this type of treatment, choose whether you need hospitalization plus an outpatient or one course.
  • For inpatient care, specify the desired room class; Class 2, VIP or VVIP.
  • Check the medical history in your family, is there a dangerous derivative disease? If yes, then you can add health insurance for critical illness. To be remembered, health insurance on critical illness, funds will come out when the disease is very severe; such as stage 3 or 4 cancer.
  • There is a health insurance that limits the cost per item. Examples for drugs Rp 1,000,000, - There is also a limit of time eg Per year. For example in a year total health insurance claims do not melebihin number Rp 150.000.000, -
  • Good administration. Get used to keep all health bills in a special file. If an error occurs in the calculation of claims, you also save supporting documents for proof.

HMOs combine a stricter version of PPOs and POS plans. HMOs have a defined list of physicians, often much smaller than PPO networks, which you may see. You will not be covered at all if you see a physician outside your HMO network. Furthermore, you must also get a referral from your primary care HMO physician to see any specialist. However, these restrictions mean that you pay an extra low or no monthly premium.

HSAs were recently signed into law by President Bush. You can deposit money into a special non-taxed, interest-gaining savings account that must be used for medical expenses. The ideal situation for an HSA is to combine the account with a low-cost, high-deductible insurance plan. The savings account is designed to allow you to cover the high deductible if you find the need to cover expensive medical costs while the insurance company will pick up the rest of the bill.

Again, it is important to carefully consider each option before choosing a single health insurance plan. Your health is important-make sure it is protected in the best way possible.

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