The Best Health Insurance That Suits Your Needs

2007-03-08 10:33:40

( Health )



Whether company sponsored or you are paying for it yourself, health insurance is not something you want to make hurried decisions about. Health insurance most of the time has a lot of baffling terms that will confuse the average person. Make sure you do your research as this concern the health of both you and your family to guarantee that you get the best health insurance.

There are several major kinds of health insurance. Before choosing one, you have to consider the amount of your deductible, the amount of reimbursement your carrier will pay, the lifetime benefits, and the network of doctors and other health care providers covered by your health insurance as well as the services that are not included in your insurance. Be it dental, mental or maternity care; make sure you know exactly which services are excluded. You think the best health insurance is the most expensive, but it may not meet most of your needs.

Bear in mind the more choices you include in your coverage, the more expensive it will be. The best health insurance is the one that best suits your needs.

There are several types of health insurance. The cheapest is the HMO or Health Maintenance Organization. This kind of insurance limits you to a primary physician who may refer you to a specialist within that network. If you are not referred to a specialist or you prefer one that is not within your HMO network, you pay the expenses out of your own pocket.

The POS or the point-of-service plan is also an HMO but it will cover health care providers outside your network. Your deductible will be higher than a normal HMO and your reimbursements lower.

A PPO or a preferred provider organization will provide you coverage with a broad network of health care providers. You would not need to go through a primary physician to get a referral. This insurance is actually reactive rather than proactive. If you go to your annual physical and you have not scheduled it, it would not be covered.
The last type of health insurance is the indemnity plan, more commonly known as the standard health insurance. You can go to any licensed doctor and you will get reimbursed for almost all of your expenses. This kind of insurance charges the most for coverage.

Always keep in mind that your health is not a simple matter. If you are going on an extended trip or are frequently out of town, travelers health insurance may also be applicable. You would have to be cautious about the health of your family as well as yourself. So choose an insurance coverage that most suits your needs and your children’s needs.


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