In the U.S. there are about five different types of health insurance available: traditional health insurance, Preferred Provider organizations and public postal operators, service, or POS, health organizations, or HMOs, and, more recently, health savings accounts or HSAs. With so many types of insurance, there can be confusing trying to figure out which best suits your needs, with care and with a professional, if you must solve.
Unable to perform Translation:invalid textTraditional health insurance, first, that most people think when they feel the health insurance. You pay a premium for months, and if you have an accident or need health insurance, you have a deductible amount, you must pay, then insurance companies do not affect the rest of the account. They often have a good office and / or co-payment for traditional health insurance.
Unable to perform Translation:invalid textWith people living longer, insurers began looking for more opportunities, reduce costs, the development of various health plans, such as postal operators. Postal operators have plans for almost all medical costs, as you prefer in a network of doctors and hospitals. This creates a network of "preferred provider" list you can choose. Treatment outside this network is the supplier, but only at a reduced rate, which means that you pay at the end of more than consult a doctor outside the network. With the limits on doctors and hospitals in their network, the insurance may, to some extent, their cost and reduce premiums. POS plans work as operators, but necessary, you are taken care of first by your medical practitioner. If you need a neurologist or a dermatologist, you have to your primary care doctor visit for a first diagnosis of a transfer to a specialist for diagnosis. POS plans have a preferred provider network, and whether to opt for a visit by a technician or a doctor outside the network, its scope is limited.
Unable to perform Translation:invalid textHMOs combine a strengthening of the postal operator and POS plans. HMOs have a list of doctors, who are often much smaller than PPO networks, you see. They are not covered if a doctor outside your HMO network. It is also necessary to transfer the HMO doctor for basic health, to see all the specialists. However, these restrictions mean that you pay a little 'or no additional monthly premium.
Unable to perform Translation:invalid textHSAs were recently in a law by President Bush. You can use the money for a special tax, interest earning savings accounts, which are used for medical expenses. The ideal situation for an HSA, is an advantage of low cost and high level of sharing. The savings are intended to cover the cost of high deductible, if you need expensive medical expenses and insurance does the rest of the bill.
Unable to perform Translation:invalid textAgain, it is important to monitor carefully all options before opting for a single health insurance plan. Your health is important to ensure it is protected as best as possible.
Unable to perform Translation:invalid textTraditional health insurance, first, that most people think when they feel the health insurance. You pay a premium for months, and if you have an accident or need health insurance, you have a deductible amount, you must pay, then insurance companies do not affect the rest of the account. They often have a good office and / or co-payment for traditional health insurance.
Unable to perform Translation:invalid textWith people living longer, insurers began looking for more opportunities, reduce costs, the development of various health plans, such as postal operators. Postal operators have plans for almost all medical costs, as you prefer in a network of doctors and hospitals. This creates a network of "preferred provider" list you can choose. Treatment outside this network is the supplier, but only at a reduced rate, which means that you pay at the end of more than consult a doctor outside the network. With the limits on doctors and hospitals in their network, the insurance may, to some extent, their cost and reduce premiums. POS plans work as operators, but necessary, you are taken care of first by your medical practitioner. If you need a neurologist or a dermatologist, you have to your primary care doctor visit for a first diagnosis of a transfer to a specialist for diagnosis. POS plans have a preferred provider network, and whether to opt for a visit by a technician or a doctor outside the network, its scope is limited.
Unable to perform Translation:invalid textHMOs combine a strengthening of the postal operator and POS plans. HMOs have a list of doctors, who are often much smaller than PPO networks, you see. They are not covered if a doctor outside your HMO network. It is also necessary to transfer the HMO doctor for basic health, to see all the specialists. However, these restrictions mean that you pay a little 'or no additional monthly premium.
Unable to perform Translation:invalid textHSAs were recently in a law by President Bush. You can use the money for a special tax, interest earning savings accounts, which are used for medical expenses. The ideal situation for an HSA, is an advantage of low cost and high level of sharing. The savings are intended to cover the cost of high deductible, if you need expensive medical expenses and insurance does the rest of the bill.
Unable to perform Translation:invalid textAgain, it is important to monitor carefully all options before opting for a single health insurance plan. Your health is important to ensure it is protected as best as possible.
