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Currently health insurance is a basic necessity. Although health care costs have risen for two decades, about twice the level of inflation, they are to sea for a few years, according to a new study by the Health Services Research Institute at Tulane University.
This means that the disease is large, or small quantities in a short time destroy the family budget and can unmanageable debts. Therefore, some families can hardly pay even a hospital stay.
However, with adequate health insurance, financial risk of costly illness or accident can be prevented.
So not only good health, planning logical for most United States, but also the health care available for other families can not afford professional medical treatment.
Although there are hundreds of different policies and plans for the existing health insurance, health insurance usually covers the costs associated with the disease or injury is divided into five types: the cost of the hospital, the cost of operating, ordinary medical expenses, cost of medical, comprehensive and medical costs.
Basic hospital cover
Basic hospital insurance that covers the cost of hospital costs for room and board and care can also cover the additional costs, such as auxiliary treatment, ambulance transport, operating room, laboratory fees, X-rays, and medicines.
Benefits are usually limited to a certain amount and for a few days in the hospital. Some policies have their own risk and exclusions and limitations.
Surgery cost
Cost advantage for surgical coverage is paid in accordance with the schedule that is determined by the maximum amount of payment for each type of procedure.
Fees for office visits to doctors before and after the procedures and services of both surgeon and anesthetist, many times in coverage. Often, surgery is a combination of insurance in the hospital with the cost of the policy.
Regular cost of health
Regular medical doctor can replacement coverage for services other than those related to the operation, co-pay doctor visits, diagnostic and laboratory tests, and co-payment medicines.
This policy is usually included and the maximum dollar deductible and co-payment clause. This is often a combination of insurance in the hospital with the cost of operation and the cost of coverage.
Large medical expenses
Major medical insurance coverage to cover a very large disasters or prolonged illness or an accident. Consisting of the hospital, surgical, medical and other medical care not in the nature of health insurance.
Such policies usually most of the franchise, which can vary between $ 300 to $ 1000 or more, and coinsurance provisions that insurance to pay between 10 to 30 percent of the claims.
A stop-loss functions are usually the maximum amount insured's claim. In general, there is a maximum amount of benefits for each policy.
If insurance can not afford health insurance, is it wise to a major medical policy with low cost high own risk and the premium payments. This will at least an insurance for accidents or serious illness, and the money saved on premiums can be used for small health.
Comprehensive medical coverage
This is a plan that a combination of the basic characteristics of all costs of medical care and medical coverage. It usually has a deductible and coinsurance provisions of the clause that insured patients pay a certain percentage of the invoice, depending on the policy.
Major expenses such as insurance, the maximum lifetime benefit that is usually very high.
Group or individual policy?
Although many of the American people to buy health insurance through group plans offered by their employer, statistics recently released by the Coalition for Health guarantees (HEC), which during the ten year average of 37 percent of the employers of five or more employees offer no health insurance for employees.
HEC further found that during the decade average of 75 percent of the nation uninsured or are relatives of someone with a job.
Employers who offer group coverage as a marginal advantage. Premium under the group plan is usually lower than those for individual coverage. Employers usually pay all or part of the premium for employees.
With individual health insurance policy, you have the option to choose the benefits you want.
While individual health insurance premium will be based on age, sex and physical condition, and the amount of coverage you want, usually the cost of insurance premiums anywhere from 50 to 90 percent more than a policy similar to that of the group.
Shopping for the cost and value are very important in the disease. The cost of almost identical policies can vary as much as 50 percent of a company.
Managed care plan
In recent years, increased traffic managed-care-type plan.
The purpose of this plan is to cut costs by negotiating with doctors and hospitals to lower costs for services rendered.
There are three forms of care management-type plans: Health Maintenance Organization (HMO), Preferred Provider Organization (PPO) and Point of Service (POS).
HMOs negotiate with employers to manage all the needs of the health of workers. Companies must use the HMO's doctors, hospitals and clinics.
Employer write as members of the HMO to pay costs. These costs generally include the needs of all medical costs for employers. HMOs most urgent after the co-payment of some of the services offered.
PPOs are similar to HMOs from the point of a negotiating procedure fee. The main difference is that businesses and workers can choose the doctor they want to see.
There are member and nonmember physicians and hospitals. If employees choose the provider members, outside pocket costs will be lower than if he chose nonmember provider.
POS plans are insured to select its primary doctor. Doctors will agree to discount fees for services.
The insured will be one doctor for all aliments first to the discount. If the insured decided to specialists themselves, outside pocket costs will be higher.
Other medical coverage
There are dozens of types of health coverage options. Health care options are generally used by those who accidentally death and dismemberment insurance, specific disease insurance, hospital insurance insurance, disability, Medicaid, Medicare and Medicare supplements.
Accidental death and dismemberment insurance for the replacement as a result of medical accidents. The amount of the fee is usually determined by the policies of the limited schedule.
Certain non-insurance benefits paid directly to the insured. Amount is subject to a maximum amount of expenses related to the dreaded disease-specific care, such as cancer. While premiums are generally lower, or not to buy insurance.
Suretyship insurance or hospital plan for the revenue daily, weekly, monthly or benefits during the confinement to the hospital alone. Different types of policies do not begin paying benefits after you are in the hospital for a period of five days or longer. Because the average hospital stay in the United States less than five days, the insured is rarely collected on the profits.
Medicaid to pay medical bills for low-income people who can not afford to pay the costs of medical care. This is a government-sponsored program with strict guidelines to meet the requirements. To determine your eligibility, please contact your local pubic health or welfare office.
Medicare is a program sponsored by the government for most people the age of 65 years or more and for some people with disabilities.
This is part two of this program. The hospitals that provide benefits for short-term illness. He also offers some benefits in the skilled nursing facility or home.
Part B is optional insurance. You can use the premiums automatically deducted from your social security check if you have a. Part B to pay for most medical and surgical costs. Because it is cheaper, then the value is very good.
Medicare supplementary insurance is provided to Medicare leaves off. Insurance is relatively cheap for the amount of coverage, which usually covers the whole range of health problems.
Conclusion
God gave us life in the physical world where there are things beyond our control, such as accidents and diseases. Treatment costs hundreds to thousands dollars.
With the exception of those in the criminal no form of insurance, health insurance costs are reasonable and logical. However, the health insurance costs is large enough that a very large family must endure.
Group insurance through the company plan is much less expensive health insurance plan. If you have not been included in the group insurance plan, find the major medical coverage, but a very large deductible and pay only start after the deductible is met out of pocket you intend to disaster costs alone. Because some families who can afford the cost of hospital stay, health insurance is planning.
by Crown Financial Ministries
http://www.crown.org/Library/ViewArticle.aspx?ArticleId=408
This means that the disease is large, or small quantities in a short time destroy the family budget and can unmanageable debts. Therefore, some families can hardly pay even a hospital stay.
However, with adequate health insurance, financial risk of costly illness or accident can be prevented.
So not only good health, planning logical for most United States, but also the health care available for other families can not afford professional medical treatment.
Although there are hundreds of different policies and plans for the existing health insurance, health insurance usually covers the costs associated with the disease or injury is divided into five types: the cost of the hospital, the cost of operating, ordinary medical expenses, cost of medical, comprehensive and medical costs.
Basic hospital cover
Basic hospital insurance that covers the cost of hospital costs for room and board and care can also cover the additional costs, such as auxiliary treatment, ambulance transport, operating room, laboratory fees, X-rays, and medicines.
Benefits are usually limited to a certain amount and for a few days in the hospital. Some policies have their own risk and exclusions and limitations.
Surgery cost
Cost advantage for surgical coverage is paid in accordance with the schedule that is determined by the maximum amount of payment for each type of procedure.
Fees for office visits to doctors before and after the procedures and services of both surgeon and anesthetist, many times in coverage. Often, surgery is a combination of insurance in the hospital with the cost of the policy.
Regular cost of health
Regular medical doctor can replacement coverage for services other than those related to the operation, co-pay doctor visits, diagnostic and laboratory tests, and co-payment medicines.
This policy is usually included and the maximum dollar deductible and co-payment clause. This is often a combination of insurance in the hospital with the cost of operation and the cost of coverage.
Large medical expenses
Major medical insurance coverage to cover a very large disasters or prolonged illness or an accident. Consisting of the hospital, surgical, medical and other medical care not in the nature of health insurance.
Such policies usually most of the franchise, which can vary between $ 300 to $ 1000 or more, and coinsurance provisions that insurance to pay between 10 to 30 percent of the claims.
A stop-loss functions are usually the maximum amount insured's claim. In general, there is a maximum amount of benefits for each policy.
If insurance can not afford health insurance, is it wise to a major medical policy with low cost high own risk and the premium payments. This will at least an insurance for accidents or serious illness, and the money saved on premiums can be used for small health.
Comprehensive medical coverage
This is a plan that a combination of the basic characteristics of all costs of medical care and medical coverage. It usually has a deductible and coinsurance provisions of the clause that insured patients pay a certain percentage of the invoice, depending on the policy.
Major expenses such as insurance, the maximum lifetime benefit that is usually very high.
Group or individual policy?
Although many of the American people to buy health insurance through group plans offered by their employer, statistics recently released by the Coalition for Health guarantees (HEC), which during the ten year average of 37 percent of the employers of five or more employees offer no health insurance for employees.
HEC further found that during the decade average of 75 percent of the nation uninsured or are relatives of someone with a job.
Employers who offer group coverage as a marginal advantage. Premium under the group plan is usually lower than those for individual coverage. Employers usually pay all or part of the premium for employees.
With individual health insurance policy, you have the option to choose the benefits you want.
While individual health insurance premium will be based on age, sex and physical condition, and the amount of coverage you want, usually the cost of insurance premiums anywhere from 50 to 90 percent more than a policy similar to that of the group.
Shopping for the cost and value are very important in the disease. The cost of almost identical policies can vary as much as 50 percent of a company.
Managed care plan
In recent years, increased traffic managed-care-type plan.
The purpose of this plan is to cut costs by negotiating with doctors and hospitals to lower costs for services rendered.
There are three forms of care management-type plans: Health Maintenance Organization (HMO), Preferred Provider Organization (PPO) and Point of Service (POS).
HMOs negotiate with employers to manage all the needs of the health of workers. Companies must use the HMO's doctors, hospitals and clinics.
Employer write as members of the HMO to pay costs. These costs generally include the needs of all medical costs for employers. HMOs most urgent after the co-payment of some of the services offered.
PPOs are similar to HMOs from the point of a negotiating procedure fee. The main difference is that businesses and workers can choose the doctor they want to see.
There are member and nonmember physicians and hospitals. If employees choose the provider members, outside pocket costs will be lower than if he chose nonmember provider.
POS plans are insured to select its primary doctor. Doctors will agree to discount fees for services.
The insured will be one doctor for all aliments first to the discount. If the insured decided to specialists themselves, outside pocket costs will be higher.
Other medical coverage
There are dozens of types of health coverage options. Health care options are generally used by those who accidentally death and dismemberment insurance, specific disease insurance, hospital insurance insurance, disability, Medicaid, Medicare and Medicare supplements.
Accidental death and dismemberment insurance for the replacement as a result of medical accidents. The amount of the fee is usually determined by the policies of the limited schedule.
Certain non-insurance benefits paid directly to the insured. Amount is subject to a maximum amount of expenses related to the dreaded disease-specific care, such as cancer. While premiums are generally lower, or not to buy insurance.
Suretyship insurance or hospital plan for the revenue daily, weekly, monthly or benefits during the confinement to the hospital alone. Different types of policies do not begin paying benefits after you are in the hospital for a period of five days or longer. Because the average hospital stay in the United States less than five days, the insured is rarely collected on the profits.
Medicaid to pay medical bills for low-income people who can not afford to pay the costs of medical care. This is a government-sponsored program with strict guidelines to meet the requirements. To determine your eligibility, please contact your local pubic health or welfare office.
Medicare is a program sponsored by the government for most people the age of 65 years or more and for some people with disabilities.
This is part two of this program. The hospitals that provide benefits for short-term illness. He also offers some benefits in the skilled nursing facility or home.
Part B is optional insurance. You can use the premiums automatically deducted from your social security check if you have a. Part B to pay for most medical and surgical costs. Because it is cheaper, then the value is very good.
Medicare supplementary insurance is provided to Medicare leaves off. Insurance is relatively cheap for the amount of coverage, which usually covers the whole range of health problems.
Conclusion
God gave us life in the physical world where there are things beyond our control, such as accidents and diseases. Treatment costs hundreds to thousands dollars.
With the exception of those in the criminal no form of insurance, health insurance costs are reasonable and logical. However, the health insurance costs is large enough that a very large family must endure.
Group insurance through the company plan is much less expensive health insurance plan. If you have not been included in the group insurance plan, find the major medical coverage, but a very large deductible and pay only start after the deductible is met out of pocket you intend to disaster costs alone. Because some families who can afford the cost of hospital stay, health insurance is planning.
by Crown Financial Ministries
http://www.crown.org/Library/ViewArticle.aspx?ArticleId=408
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