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Health Insurance

Health insurance is a type of insurance policy where the insurer pays for the insured’s medical and surgical expenses. How payment is administered varies depending on the individual plan. For instance, with some plans, the insurance company pays your medical expenses directly to the provider. Other plans require the insured to pay for the whole amount out-of-pocket and then get a reimbursement from the insurance company. In medical insurance terms, the word ‘insured’ is used to refer to the policy owner or the person covered under the health insurance plan. The word provider, on the other hand, is used to refer to the health care practitioner, doctor, hospital, clinic, or pharmacy.

Who Needs Health Coverage?

Everybody needs coverage- sooner or later. The affordable health care act makes it compulsory for every American citizen to carry some form of health coverage, after all. Failure to carry the mandated level of health coverage will result in penalties. At some point in your life, you will need medical attention. In the United States, there is no universal health care coverage. Healthcare coverage is sold privately by insurance companies, and in many cases, it is included in the employment package as a working bonus.

How Does Health Coverage Work?

With the costs of healthcare skyrocketing, coverage has become a necessity. It will help you cater for the expenses culminating from getting preventative care, acquiring prescription drugs, hospital stays, physician appointments, and so on. Before your policy kicks in, there is a certain amount of out-of-pocket amount you have to pay towards your medical bill referred to as the deductible. After that, you will be required to pay 20% of the total costs (coinsurance) till you reach your policy’s maximum out-of-pocket costs.

What Are The Different Types Of Healthcare Plans?

In the United States, the major types of medical insurance plans include:

  • Indemnity Plans
  • Health Maintenance Organizations (HMOs)
  • Preferred Provider Organizations (PPOs)
  • Exclusive Provider Organizations (EPOs)
  • Point of Service (POS)
  • Health Savings Accounts (HSAs)

Each of the above coverage types comes with a unique set of advantages and disadvantages. One of the major benefits of health coverage is making sure that you get the necessary medical help when you need it instead of worrying about whether you have the ability to deal with the bills.

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