Health Insurance

Nothing is more valuable to us than to good health. Ordinary people are increasingly aware of the importance of good health in order to be able to l8ive life to the fullest. But as the saying goes, nothing is certain in this world of uncertainty and surprise is always a good or bad in our lives. We do not get sick once in a while or even some of the great influenza illness, or get ourselves involved in the accident. We will always be the case, these events could happen to us when they deplete savings or even push us to bankruptcy.

The rising hospital charges, laboratories and doctors' fees are now expensive and complicated. This is where the health insurance benefit us. Yes, a lot of health insurance premiums, but do not have health insurance at all expensive. Medical bills incurred in an accident, can burn a hole in your savings. And in the case of cancer treatments, all medical examinations, laboratory tests, and chemotherapy, that one goes through it could be ruined financially.

Health insurance could help pay for the cost of a regular medical check-ups, surgeries, glasses and contact lenses, or even emergency treatments. There are two basic types of health insurance plan, compensation plan and a managed care plan. Compensation plan is called the premium service plan. This is the opportunities for greater freedom and flexibility to the insured. He gets to pick a doctor, hospital and laboratory and other health care provider of his choice. While the medical service of medical contract. But the catch is the plan does not pay the full fee, but also provided a shoulder 20% of the payment. This type of plan, only accidents and illnesses, but preventive care such as flu vaccination and contraception is not included. Coverage and the costs of prescription drugs and psychotherapy depends on the policy and the company.

Managed Health Care is different from the compensation plan is in many ways. First, the choice of doctors, hospitals, laboratories and other health care provider limited to only those who have contracts with the HMO health maintenance organization -. Medical services received will only allow the plan. If you insist on the participation of non-formal health-care provider, the cost of service and care will not be paid by the company. Preventive care and mental health treatment covered by the plan.

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