Health Insurance is a very important thing to have, and it could be a reasonable investment for your future’s health plan. Health insurance can cover all or part of a person’s health care bills. Bad things can happen to anybody at anytime, if you get an accident or certain disease that force you to stay in a hospital for a long time, or an expensive surgery, you don’t have to wory about your medical treatment expenses if you have already got a health insurance. The medical expenses cover provided by health insurance includes doctor visits, hospital stays, surgery, procedures, tests, home care, and other treatments and services.
There are several types of health insurance, and each of them gives different type of service. The types of health insurance are group health plans, individual plans, worker’s compensation, and government health plans.
* Group Health Plans
This is the type of health insurance plan that gives medical assurance for the member of an institution or an organization such as student organizations, professional associations, religious organizations, and also for employers to cover medical expenses of their employees. Many employers offer this kind of insurance protection to employees and their dependents as a benefit of working with the particular employer, as the employer may pay for partor all of the insurance premium.
* Individual Plans
Individual plans is a health insurance that is purchased by an individual to cover himself and his dependents.
* Government Health Plans
This health insurance protection is provided by a government to protect its citizens with certain criterias, it depends on the government’s policy and rules.
* Worker’s Compensation
This type of health insurance only gives cover for an injury or illness related to a person’s job. Other medical conditions which are not related to the job is not covered by this insurance plan. When there is a claim, there will be an evaluation to determine whether the medical condition is related to a person’s job or not.
The types of health care that you might get is also vary, depends on what type of health insurance plan and type of health insurance cover you have. But mainly there are two types of health care that you might have, fee for service and managed care.
* Fee For Service
It’s also called traditional health insurance, the insurance company will reimburse the health care provider for all or part of the medical fees charged. This type of health care also gives you a freedom tho choose the health care provider for your medical conditions, including a medical treatment abroad.
* Managed Care
In these health insurance plans, a person’s health care is arranged by the insurance company. A visit to specialist doctors, medical tests, some particular services, or surgical procedures will require approvals from the insurance company. In these plans the doctors, hospitals, labs, imaging centers, and other medical treatment providers must be affiliated with their managed care plan, otherwise they will not get a full coverage.
You will find more articles that will more deeply discuss about health insurance types, covers and the policies in my other posts.
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