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Different Types of Health Insurance Explained
Health is the biggest and most crucial asset of every living
being. An unhealthy animal and individual can never truly
experience any joy. It is the wealth of health that provides the
requisite potential to topple over all odds and to move ahead
with life. So such an essential part of a person's life demands
extra care and concern. An ideal way to secure an individual's
prized possession for him and for those who love him is a health
insurance policy.
A health insurance policy is meant to financially assist a
person in case there occurs a setback to his health. For
instance he is afflicted by some grave disease, meets an
accident, becomes handicapped etc. In order to provide complete
service and for the all round development of the individual the
health care system of America offers ample of options or
different types of health insurance for its citizens. Some of
these are explained below:
* Preferred Provider Organization or PPO is a discount form of
health insurance policy. PPO has a complete network of health
care providers from hospitals to doctors. If an individual has
taken PPO policy and takes treatment from any of these assigned
providers, the PPO covers his complete medical treatment. While
if the person takes recourse to some other doctor or
institution, he gets served at a reduced rate. PPO's thus
facilitate medical services at abridged rates.
* One immensely cheap form of health insurance is the
catastrophic health insurance. This sort of policy is basically
meant for the people who have the financial means to manage
regular illnesses and hospitalizations. The deductibles i.e. the
sum of money an individual for these policies are quite large
for this
policy. At times there are caps on the amount the
policy will pay in case of illness.
* A Short term health insurance policy is akin to a life
insurance policy in the sense that both can be adopted for a
specific tenure. This policy covers catastrophic to
comprehensive cases and excludes the situation of pregnancy and
childbirth. Quite often it is hard to qualify for these policies
as there are strict conditions or qualifying procedures.
Moreover these policies may not cover any pre-existing medical
conditions.
* HMOs or the Health Maintenance Organizations also offer health
insurane t significantly lower premiums. But the disadvantage is
that they confine the sources a person may seek in non-exigency
situations. HMOs do not cover the precautionary measures such as
immunization, mammograms and physicals. There are quite a few
issues associated with the HMOs. For instance it is believed
that doctors receive financial perks for deducting the cost of
medical services to patients. One way to do this is to pay
monthly fee to the doctor for each patient despite of delving in
to the issues of what treatment the latter one needs.
* There are also full-service health insurances. The lucrative
feature of these policies is that they cover all sort of
illnesses, cover any medical treatment the patient takes
regardless of the institution or doctor and the deductibles are
at the discretion of the policyholder. He may pay a high or a
low one.
* Medicare or Medicaid insurances are meant for the retired or
the low-income individuals.
About the author:
Mansi gupta writes about affordable health
insurance quote .
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