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Dołączył: 18 Mar 2011
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 Wysłany: Śro 4:08, 18 Maj 2011 Temat postu: How Does Health Insurance Work |
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Health insurance plans are usually sold once, then revived on an annual foundation. So while a user buys health insurance (either instantly or through one employer), the insurer agrees to pay for health expenses by the time the bonuses are paid in due time and the list is in nice standing.
Its true: there's a lot of jargon, and plans are complicated to evaluate and compare. But it's important, and worth your time. Carefully review plan specifications, and take your time to comprehend the coverage of whichever plan you're currently under - or considering purchasing.
Covered benefits: Types of medical services the insurer will pay for.
Here are a few general terms that you'll probably run into:
Deductible: This is the value you must pay out-of-pocket before the insurer will pay anything. Deductibles can vary widely, ranging from $0 to a few thousand greenbacks.
Health insurance plans come in two flavors: "Fee-for-Service" or "Managed Care". Both types of insurance cover important therapeutic, surgical and hospital expenses, and are often referred to for "important medical plans". Fee-for-service plans disburse the medical service provider a fee for every service invested to a patient, and that patient can usually go discern however health care provider they hope. Managed care plans,[link widoczny dla zalogowanych], above the other hand,[link widoczny dla zalogowanych], pre-pay narrow-minded providers for each member's coverage in advance. Members are offered a financial incentive to use providers who belong to the arrange.
Maximum out-of-pocket amount: This is highest amount you are necessitated to pay in a given annual, after which the insurer will pay 100% of the spend of covered medical expenses.
Co-insurance amount: This is the percent of your medical expenses you have to pay later you approach your deductible. This will typically range from 10-30%.
re are lots of differ kinds of health insurance. Plan that cover medical services and prescription medicines, plans that cover dental expenses, weakness insurance that replaces earnings lost due to stretched cancer or injury, long-term care, and so on. In the United States, human typically refer to the plans that cover medical expenses as "health insurance", and these plans are usually bought along owners and offered to workers as portion of their amends, or "benefits".
Exclusions: Types of medical services the insurer ambition not pay for.
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