What is it you want "health insurance "?
Health insurance is a type of insurance coverage that paid
for medical and surgical expenses incurred by the insured. Health insurance can
restore the insured for expenses in disease or injury, or to be paid direct to
the caregiver. They are often included in groups benefits employers as a means
to attract good employees. The cost of health insurance premiums deductible for
the payer, the payment and benefits received tax-free.
Break ' health insurance '
Health insurance can be difficult to navigate. Managed care
insurance scheme requires that policyholders receive sponsorship from a health
care provider network designated to get the highest level of coverage. If
patients who seek treatment off-grid, they will have to pay a higher percentage
of the cost. In some cases, the insurance company can refuse to pay directly to
get outside of the network service. Many managed care plans require patients to
choose a primary care doctor to monitor patients and provide recommendations
for treatment. The insurance company can also refuse to cover services obtained
without authorization. In addition, the insurance company can refuse to pay for
branded drugs if generic versions of medicines that are comparable or readily available
at a lower cost.
High cost insurance plans usually have a smaller monthly
installments rather than low discount plans. When buying plans, individuals
must balance the benefits of a low monthly fee with the potential risk of
serious disease spending major exchanges or accidents. Health insurance has
many cousins, disability insurance, critical illness insurance (disaster) and
long term care insurance (medical service).
The affordable care Act
In 2010, President Barack Obama signed the law on patient
protection and affordable care. Insurance companies are barred to prevent
patients with conditions that were previously closed, and children are allowed
to remain on their parents ' insurance plans until they reach the age of 26
years. In the participating countries, the law also has expanded the scope of
medical assistance, the Government program that provides health care for people
with very low income. In addition to these changes, the Association established
a federal health market. The market helps individuals and companies buying
quality insurance plans at affordable prices. Low-income people who entered the
insurance market through market could get a subsidy to help reduce costs.
Americans should carry health insurance in accordance with
the federal minimum standards or face tax penalties. In some cases, taxpayers
may qualify for the exemption if they are unable to get insurance because of
financial difficulties or other circumstances. Two public health insurance
schemes, medical care and children's health insurance program for the elderly
and children, respectively. Medicare also serve people with disabilities. The
program is available to anyone 65 years or older. The chip has a limited income
plans and include infants and children up to age 18.