Health Insurance Premium
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Health Insurance Plans and their Differences
Daniel B. King
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
br>
Brad Triggs provides more information and
free insurance quotes at his website:
My-Insurance-Quotes.com - Health
Insurance Plans
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International Travel and Health Insurance
David M. Schmader
Embarking on Your Dream Vacation
Are your Plans Complete?
Your bags are packed, passport and papers in order and you couldn’t be in a
higher state of excitement preparing for travel to that wonderful, exotic location.
This is the vacation you have planned it seems forever. As you sit on the plane,
you and your partner discuss for the hundredth time the scuba diving you will
do, the awesome rock climbing and hikes into the rain forest. Everything is
perfect!
Life seldom gets better than this.
Despite all the excitement of travel, Americans do have some concerns.
According to a survey by the Chubb Group, more than 70% of Americans surveyed
said their greatest concern when traveling is suffering a medical emergency...more
than double the fear of being mugged (30.7%), three times the fear of being
injured in a terrorist attack (23.4%).
What happens if a medical emergency arises when traveling overseas?
Many people assume that while they are out of the U.S. or Canada they will be
covered by their standard medical plan. However, most traditional health insurance
plans are not designed for international travel.
According to the U.S. Department of Commerce, approximately 27 million travelers
board U.S. airlines for overseas destinations and almost 26 million foreign
travelers come to the U.S. each year. However, many are not prepared for a medical
emergency abroad.
Most traditional health insurance plans would not cover an unexpected illness
or injury during international travel. But travelers with international medical
insurance would have protection for scenarios ranging from a local ambulance
trip to an emergency evacuation for care at the nearest qualified medical facility.
Some even offer repatriation flights out of the country where the traveler is
located back to the US.
Available plans can cover individuals or groups for specific periods of time
abroad and can be in effect should they be stationed abroad for an extended
period of time. There are policies for corporations to insure their personnel,
plans to cover missionaries who are on an outreach program and for those participating
in extreme sports. International travel medical insurance should be considered
for anyone traveling or living abroad.
©David M. Schmader, Solon, Ohio January, 2005
www.brownschmader.com
About the Author
David Schmader is an independent broker agent located in the Cleveland Ohio suburb of Solon, Ohio. With over 25 years of corporate finance experience he specializes in serving the individual, professional and small business markets.
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