|
|
|
7 Sure-Fire ways of reducing your home insurance premium
7 Sure-Fire ways of reducing your home insurance premium Home security improvement: All insurance companies will happily offer you a discount for burglar alarms and smoke detectors. Homes with fire and burglar alarms that communicate with a...
Choosing the Best Life Insurance Option for You
Life insurance in the UK is becoming more and more popular with many people now realizing the importance and the benefits of a good life insurance policy. There are two main types of popular life insurance, both of which offer a range of...
Having the Right Amount of Auto Insurance Coverage
Maybe you have auto insurance coverage now but do you ever wonder if it's enough if you are unfortunate enough to get into a car accident? Some people carry a combination of auto insurance coverages because carrying too little coverage can cause you...
Health Insurance for International Travelers
If you are planning a trip overseas then you have probably wondered how your US medical plan will cover you outside of the U.S. If you have a managed care (HMO) plan, then you might not have any coverage outside of the US. Any coverage you do...
Why Boat Insurance Doesn't Help A Lousy Sailor
For thousands of years men have sailed the seas. From the earliest trips by the discoverers and settlers of the Americas, Australia and the Pacific Islands, through Odysseus' voyage to Troy and beyond to the time of Swashbucklers in the Caribbean...
|
|
| |
|
|
|
|
|
|
Health Insurance Plans and their Differences
Health insurance plans have changed dramatically over the past ten years, and American's currently have several different options to choose from- including HMO's, PPO's, fee-for-service plans, MSA's and major medical. There are two main categories of health insurance plans that each of these policies is classified as; managed care plans and indemnity care plans. The differences between each of these plans mean the differences in how you will receive health care when you need it.
Managed care health insurance plans, mostly the HMO's, focus primarily on prevention, and people with these types of policies pay less for their coverage. The drawback is that you are limited to specific health care providers. Indemnity plans, also known as fee-for-service plans, will cost you more- but you are completely covered no matter what illness or accident might occur. Indemnity plans place an emphasis on patient choice, allowing you to choose where and when you are treated.
The newest options in health insurance plans include the PPO (preferred provider organization) plans. These are somewhat a hybrid between the managed care and indemnity categories. Due to their flexibility, these plans are becoming the most popular. PPO plans are similar to
managed care plans in that they encourage preventative care, such as routine check ups which are covered under the plan, but you are allowed more of a choice over what doctors you can see.
So how do the different plans effect how you receive health care? When you are part of an indemnity plan, you are typically able to choose the doctor you want to see when an unexpected illness occurs. You will have to fill out paperwork to submit claims, and keep track of your receipts and medical bills. If you are covered under the managed care health insurance plans, you have a higher chance of having your routine check ups covered, since they believe strongly in preventative medicine. You typically are required to choose a health care provider from a list of participating providers, but most of the paperwork required to process your claim is the responsibility of the insurer.
About the Author
*****************************************
Brad Triggs provides more information and
free insurance quotes at his website:
My-Insurance-Quotes.com - Health Insurance Plans
*****************************************
|
|
|
|
|
| Insure.com Car Insurance Quotes, Term Life Insurance Quotes, Auto ... |
| Insure.com provides instant online car insurance quotes, term life insurance quotes, auto insurance quotes, health insurance quotes, home insurance quotes, ... |
| www.insure.com |
|
| Insurance Information Institute (III) |
| Attempts to improve public understanding of insurance -- what it does and how it works. The site is subdivided into sections for "Individuals" (consumer ... |
| www.iii.org |
|
| State Farm Insurance Companies |
| Provider of auto, health, home and life insurance. Get quotes and agents listings. National headquarters. |
| www.statefarm.com |
|
| Allstate - Official Site - Auto Insurance, Home Insurance ... |
| Offers insurance for autos, homes, property, life, mortgage protection, and business. Site includes many useful calculators and tools, an agent locator, ... |
| www.allstate.com |
|
| Progressive Auto Insurance - Car Insurance Quotes Plus Boat, RV ... |
| Provides instant online auto insurance quotes, insurance rate comparisons. Offers motorcycle, RV, boat, or car insurance. Purchase insurance online. |
| www.progressive.com |
|
| Insurance - Wikipedia, the free encyclopedia |
| It cannot put the insurance company in financial jeopardy. ... If the insured does not perform then the insurance company does not have to perform. ... |
| en.wikipedia.org |
|
| Cheap annual travel insurance | single trip holiday insurance quotes |
| Cheap quotes for annual travel insurance and single trip holiday insurance online with moneysupermarket.com. Over 450 policies compared in seconds... |
| www.moneysupermarket.com |
|
| California Department of Insurance |
| Works to foster an insurance market that is fair, competitive and accessible to all Californians. Site designed to assist consumers, aid in the licensing of ... |
| www.insurance.ca.gov |
|
| Insurance: Car, Auto, Life, Home, Business and Investment Services ... |
| Nationwide offers insurance and services including: car insurance, auto insurance home owner insurance, business insurance as well as investment services. |
| www.nationwide.com |
|
| GEICO Car Insurance. Get an auto insurance quote and save today ... |
| Offers auto and motorcycle insurance. Request quotes online or by phone. File claims online. |
| www.geico.com |
|
| Insurance Center - Yahoo! Finance - Find the Right Insurance for ... |
| Insurance Center - Protect and insure your assets with comprehensive resources about auto, home, health and life insurance. |
| insurance.yahoo.com |
|
| Compare Auto Insurance Quotes from Top Auto Insurance Companies |
| America's #1 online insurance agency. Compare instant auto insurance quotes, car insurance quotes, life insurance quotes, home insurance quotes, ... |
| www.insurance.com |
|
| Car Insurance, Home Insurance, Travel Insurance, Life Insurance UK |
| Provide travel, home contents and car insurance for professionals, graduates and students. |
| www.endsleigh.co.uk |
|
| Home Insurance Quotes, Car Insurance Quotes - Lloyds TSB Insurance |
| Home Insurance Quote, Car Insurance Quotes, cheap Travel Insurance, Pet Insurance, Business Insurance. Up to 15% discount for buying insurance online. |
| www.insurance.co.uk |
|
| Car insurance, Home insurance, Life insurance & more - Direct Line |
| Direct Line offer car insurance, home insurance, life insurance, travel insurance, mortgages, personal loans,breakdown cover and much more! |
| www.directline.com |
|
| PA Department of Insurance |
| State regulatory authority. Site provides information for consumers, producers, and the insurance companies themselves. |
| www.ins.state.pa.us |
|
| Texas Department of Insurance |
| Regulates the state's insurance industry, encouraging competition to make insurance available and affordable. [some content available in Spanish] |
| www.tdi.state.tx.us |
|
| Life Insurance (U.S. Department of Veterans Affairs) |
| Informationa about all Life Insurance programs administered and supervised by VA. |
| www.insurance.va.gov |
|
| Insurance for Canada and the United States by RBC Insurance |
| Specializes in life, health, travel insurance, and annuities for middle income families in Canada and the United States. Site offers individual, family, ... |
| www.rbcinsurance.com |
|
| Free Auto, Health, Life and Homeowners Insurance Quotes - MSN Money |
| Get free auto, health, life and homeowners insurance quotes from top insurance companies in the country. Find the latest news and information related to ... |
| moneycentral.msn.com |
|
|