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Nothing is more precious to all of us than having a healthy body. People are becoming more aware of the importance of having a healthy body in order to be able to l8ive life to the fullest. But because the old saying goes there is nothing certain nowadays, we'll always have uncertainties and surprises bad or good in our life. We do get sick every now and then flu or perhaps some major illness, or get ourselves involve in accidents. No matter what the situation may be these events when they arise in our lives could deplete our savings or perhaps push us to bankruptcy. Using the rising cost of hospital fees, laboratories and doctors' fees it is now expensive and complex. This is when medical health insurance may benefit all of us. Yes, health insurance could cost a lot but having no medical health insurance by any means more. Hospital bills incurred from an accident could burn an opening in your savings. As well as in installments of cancer treatments, with all the doctors' check ups, laboratory tests, and chemotherapy that one needs to feel it could ruin you financially.
Health insurance could help you purchase the cost of a normal medical check ups, surgeries, contact lenses and glasses and even emergency treatments. There's two basic types of health insurance plan, the indemnity plan and also the managed care plan. Indemnity plan's also called the charge for service plan. It's wider freedom and adaptability in the choices of the insured. He gets to pick the doctor, hospital and laboratory along with other medical service provider of his choice. So long as the medical services are included in the health contract. But, the catch may be the plan doesn't purchase the entire charges, instead the insured shoulders the Twenty percent from the payment. This kind of plan covers only illnesses and accidents but preventive care like flu shots and birth control aren't included. And coverage of the cost of prescription drugs and psychotherapy is determined by the policy and also the company.
Managed Care Medical health insurance is different from the indemnity plan in many ways. First, selection of doctors, hospitals, laboratories along with other medical company is
limited to only those who have contracts with the HMO -Health Maintenance Organization--.Medical services is received only when authorized by the plan. If you insist on engaging on non authorized medical company then the cost of service or care provided will not be paid by the company. Maintenance and mental health treatment are covered by the program.
Because of the rising demands for better and wider health insurance coverage, the health insurance coverage is offering hybrid plans. Wherein, they combine the advantages of HMOs and indemnity coverage. The technique is you can make use of the network of medical service providers that have contracts with the HMO but you are allow to choose someone outside the network and pay for a higher percentage in the fee.. Managed Care plan also allows open access theory, where one can see a network medical specialist without any referrals from HMO.
You have to decide carefully in choosing the right health insurance plan for you and your family needs. You need to have a careful evaluation on what your loved ones needs and extensive research for the best medical health insurance company that will provide for those needs. Keep in mind that the cheapest premiums don't really mean it's the cheapest plan. Remember the cheapest plan is a policy that will provide you with the best benefits that your family really needs in case of emergencies and illnesses.
