03
Basis Of Health Insurance
Posted by | Posted in Personal Health | Posted on 03-08-2010
Each person should have a health insurance policy. Mostly it is provided by employer to employee, so that it can cover your medical costs when you are ill. Most of the plans involve monthly payments which also involves deductibles and co-payments. Basically there are four types of California health insurance. They are health maintenance organizations (HMO), Point-of-service (POS), Preferred Provider organization (PPO) and indemnity plans. HMO, POS and PPO are managed care plans. Indemnity plan is much different from managed care plan.
In a Health maintenance organization plan members have to pay monthly fee and co-payments. Co-payment is an amount paid at the time of treatment to offset a portion of the medical costs. In this type of plan, members can choose a physician from the network. Members have to contact the physician if they face any medical problems. If members have to consult a specialist they have to take the permission of their physicians. HMOs only cover members if they visit doctors within the HMO insurer network. If a member wants to meet a specialist out of the network he has to bear all the expenses from his own pocket.
Preferred provider organizations encourage members to visit physicians and hospitals within the network but they also allow members to visit out-of-network doctors and hospitals. PPOs cover most of your medical costs if you visit an in-network provider. However, if a member visits a doctor out of the network, he/she will be covered to a certain degree. In an HMO Plan members generally pay monthly fee but in the case of PPO members pay for their medical coverage based on the individual medical services used. Like in HMO plan, even in PPO plan you have to pay co-payment. Unlike in HMO plan, in PPO members have to pay deductible.
Point of service combines attributes of both HMOs and PPOs. In this plan you don’t have to pay deductibles and very less co-payments. If a member visits a doctor out-of-network his medical expenses will be covered to a certain degree. POS plans have no deductible and limited co-payments for in network coverage.
Indemnity plans give more freedom than managed care plans. In this plan, they can see any doctor they wish. This type of medical plan is more expensive than managed care plans and involve more out of pocket expenses.
You only can identify which plan suits your health needs. If you want to visit specialist’s out-of-network then managed care plan is not the best choice.
Watch the video related to personal health insurance
More than 3000 health insurance reform supporters rallied at Seattle’s Westlake Center to send Washington’s Congressional Delegation back to DC to finish the job of fixing our broken health insurance system. Rep. Jim McDermott and Rev. Lesley Braxton addressed the crowd whose voices could be heard for miles. The event was organized by Organizing for America and members of the Health Care for America NOW! coalition.
Help answer the question about personal health insurance
Can I have personal health insurance policies?I am working in a privet company. Do group health insurance plans provide for covering costs of personal health insurance? What is the discount of health insurance plan for self employed?
Richard Nixon, who created our current system of health insurance, was caught on tape admitting that the whole point of the system was to maximize profit at the expense of services. There's a clip of it on Youtube. It was shown in the movie Sicko. Look it up.
In a market-driven system, doctors don't want to heal you. Their incentive is to turn you into a customer. In a single-payer system, they want to get rid of you. They focus on preventative medicine so they don't have to deal with you anymore because they can't profit off you.
A bit like how auto mechanics are known to exaggerate and install parts you don't need. If the mechanic didn't get a cut and his only goal was to keep you driving, you'd get way better service because he never wants to see you again.
Pre tax without question…no matter what your tax bracket. The "tax -cuts" at the end of the year are only those you enjoyed by choosing the pre-tax method only you wait a year to realize them. You gain more by choosing pre tax…for everyone, every time.
Yes. Try the US government (Medicaid)
Osirysteamo, subscriber below, I agree with you. It is so sad and upsetting when I hear people say that Obama is a communist or a socialist because they are puttng a label on him, judging him, and stereotyping him. I’ve even heard it on Christian television and radio. I thought those were the people that cared about people and helping them but I hear a lot of Christian radio and tv judging our president and calling him names. It’s not right.
Republicans, health insurance companies are feeding this idea that Obama is trying to socialize the health care system–Obama wants ALL people to have access to health care—it is something good. SAY NO TO COMERCIALIZED HEALTH–FOR PROFIT HEALTH CARE—SAY NO TO THE SYSTEM WE HAVE NOW–SAY YES TO A REFORM!!!1
Health Insurance seems to be in a category of its own in regard to knowing what you are paying for. Health Insurance companies seem to have free reign over how much they will be willing to pay as well as what they are paying for
I don't get what is so difficult about this… Obama doesn't understand economics, of course it doesn't make freakin sense!
McCain doesn't understand much either but I digress
If you read between the lines, you would realize that nationalized health care would eliminate the government programs for needy people ie, medicare, medicaid, section 8, food stamps. Earning minimum wage would be enough for a person to have a place to live and be able to eat. But when a Dr. visit costs three days pay, or filling a cavity costs 4 days pay, or a prescription costs a week’s pay, you give up. You are going to be on the streets anyway.
A lot of people are afraid to get treatment not because they’ll be turned away, but because they’ll be chased for the money later. The more ill you are, the worse that bill is likely to be.
I do but every time I try to tell me that the bill didn't actually address health-care they seem surprised and often disagree..
The bill isn't about providing the poor with insurance. We already have medicaid and dozens of state programs to address this need. This was about the government telling me that I must, under the threat of civil penalty, buy health insurance. A power grab and payback to the insurance companies and nothing more..
What the HELL is WRONG with you people???? I’ve never read some many heartless comments in my life!!!! How do you people even sleep at night???
I don’t give a CRAP if this man is PURPLE, he is having to watch his mother die before his own eyes because of a system that DOESN’T WORK! What part of that DO YOU NOT GET?????!!!!!!!!!!!!
I had idea that the American healthcare system was so bad,.
MyEthereality GET YOUR HEAD OUT OF YOUR ASS!!!! Read (if you can) the information in the description…here let me make it easier for you:
“Cesar was born and raised in Arvin,California, a small town in the Central Valley. Cesar shares his mother Marthas story. Martha came to the United States from Mexico and has worked for nearly 40 years. “
This situation is NOT uncommon, it happens every day. People die every day because of NO medical care, but the republicans don’t give a dam.
We need the public option. The insurance companies will screw us without it.
The Republicans want to help the rich and screw the poor. They dont care about the majority of people.
They want to cut taxes for the rich, but then there is less money for social programs for the poor and middle class. Republicans don’t want a public option, because there insurance buddies wouldn’t be able to make as much money.
To the blue dog democrats, dont be traitors. Get back to your democratic roots.
You may deduct qualified medical expenses you pay for yourself, your spouse, and your dependents, including a person you claim as a dependent under a Multiple Support Agreement. You can also deduct medical expenses you paid for someone who would have qualified as your dependent for the purpose of taking personal exemptions except that the person did not meet the gross income or joint return test.
You deduct medical expenses on Form 1040, Schedule A (PDF), Itemized Deductions. The total of all allowable medical expenses must be reduced by 7.5% of your Adjusted Gross Income. For more information, refer to Publication 502, Medical and Dental Expenses.
The only health insurance programs that currently receive billions in taxpayer subsidies, are Medicare, Medicaid, Medicare Supplemental programs, and SCHIP – state children's health insurance programs.
Welfare based health insurance, run by state and federal governments. Our EXISTING government run health insurance programs.
If you look at it long enough while squinting your eyes just right, then EVERYTHING is "interstate commerce"…
That poorly-formulated clause in the Constitution has been abused to extend the Federal control over the States and the Citizens for decades, if not centuries