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Different health Plans?
Thursday, March 13, 2008
Health Insurance
Life Insurance is an agreement between two parties namely the insurer and the insured.
A health insurance policy can be considered as the most important type of insurance. Most people priorities having one because of the heightened cost of medical treatments and services.
Different companies and organizations each offer their own schemes of coverage. The basic things that should be included in each in any health insurance plan are medical , surgical and hospital expenses. Prescription drugs should also be covered , although such is no t the case for some. Dental services may also be included in more comprehensive insurance policies. There are two types of health insurance policies. First one is free for service. In this type of policy , an insured person may go to whoever doctor or medical attendant that he wants. The insured pays for the bills and asks for the receipts , which is later filed to the insurer for reimbursement.
The second type of health insurance is managed care. It includes plans such as Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPS) and Point Of Service Plans (POS). A monthly premium is required to be a member of such plans , which should provide you with comprehensive health services.
Posted by Steva at 11:17:30