Health Insurance

Health Insurance

There are many different types of insurance policies that protect against unexpected events or costs, and one of the major ones is health insurance. Health insurance varies in the different types of health care plans as well and is offered as private insurance where individuals pay for it on their own, group policies purchased by employers and offered to their workers at a discount, and different government funded policies as well. With health insurance, you pay monthly or yearly premiums and get a certain amount of coverage according to your specific policy.

Types of Health Plans

There are three main types of insurance health plans available, including private health plans, Medicaid health plans, and Medicare health plans. Both Medicaid and Medicare health plans are government funded. Medicare is provided to seniors age 6t5 and older while Medicare is provided to selected individuals or families who are considered low income and don’t have insurance through their job or any other means. Private health plans are the most common and either purchased by an individual or provided by companies as part of a group health insurance plan.

Alternative Sources for Health Insurance

While in most cases, you will either purchase your own health insurance, get it from your employer, or from a government funded program, this doesn’t apply to everyone. There are other programs and organizations that may offer health care assistance, such as letting you purchase health insurance at a discounted price. Schools often offer health insurance benefits, such as your local college or university. Children with disabilities might get special health care benefits that go beyond basic health care plans. The speech, hearing, or vision impaired can also get help with health care from various organizations and programs.

Obligations of the Insured

As someone with a health insurance plan, you have certain obligations you should be aware of. This includes understanding your policy and what all is covered since they are all different. One person’s policy may cover cosmetic procedures, while another doesn’t. Things like ambulance rides, ER visits, infertility treatments or procedures, and cosmetic procedures aren’t always covered or are limited. You should also know your premium and pay the premium on time otherwise your health care benefits could be temporarily suspended. You may also have a deductible which is an out-of-pocket expense required to get certain health care benefits. Many times, you don’t need to pay the deductible until it is absolutely necessary. You will also have co-payments for such things as doctor visits, surgical procedures, or prescription medications.

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