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Are you paying too much for your mortgage insurance?
Most of us, struggling to make our mortgage payments, realize the importance of financially securing our home and our lifestyle by putting in place some life insurance. Your bank or lending institution does too! They will usually require that the...
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In the world today when human health and life are extremely
precarious, getting a health insurance becomes mandatory for
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Health Insurance Explained
In the competitive world today people spend more than half of
their lives working day and night for some or the other reason.
Though it gives them good financial rewards and gratification of
their desires yet what suffers a big setback is their health.
This is because individuals fail to pay significant heed to
health, the most crucial aspect of their lives. But being
occupied is not the only factor in deteriorating health. Reasons
like environment, epidemics, natural calamities etc. also
contribute largely to fading human health.
Keeping in mind the precariousness of human fitness and the
immensely expensive medical treatments available nowadays,
health insurance has become the need of the hour. Health
insurance is an ideal way to care for your health. A health
insurance policy enables you to have the best medical therapy
for your illness at any point of time.
The American health care system provides four basic health
plans. These are HMOs, PPOs, POSs, and Free-for-Service
(Indemnity) Plans.
1. HMOs Plans- these plans are least expensive of all and are
offered by Health Maintenance Organizations. In case you avail
this plan, you are required to pay for every health related
service in advance in the form of monthly premiums. HMOs cover a
spectrum of health problems such as dental, vision etc. HMOs
provide a list of service providers to all its subscribers. The
latter is required to choose from these a so called "primary
care giver" who will be supervising or coordinating his health
care.
2. POS plans- these are HMO plans that give you the freedom to
have a health care of your own choice. These plans are a little
pricier than the HMO ones. Here it is not mandatory to go with
the referrals from your primary care physician. But if you
desire to abide by the HMO plan system per se, you can even do
that. In case you opt for services outside the HMO or PPO
networks, you will be served accordingly.
3. PPO Plans- Preferred Provider Organizations provides health
care at discount rates. The PPO plans cost more than the two
aforementioned. The PPOs cover a range of hospitals, doctors,
clinics etc. The cost-sharing rate will be less within the
network and more outside it. However unlike the HMO plans, PPO
plans allow you to avail services from outside the network.
4. Fee for service plans or Indemnity plans are simple an
easiest plans that compensate for each service you avail on case
by case basis. For instance in case an emergency situation
arises and you go for an ultrasound, the hospital needs to
submit a claim to your insurance agency and you will be
facilitated with the hospital expenses. But with a myriad of
options and convenience the Fee-for Service plans come out to be
most high-priced of all.
For further details you can surf the net and even get health
insurance quotes online. This will save your time money and
energy you would spend in consulting an agent.
About the author:
Mansi gupta writes about best health insurance
quote .
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