Health Insurance Rules

You get health insurance through a job or a plan that you purchased from your employer. Whether this insurance is provided by a group, individual, small business, large business, or government agency does not matter. What ia important is what the health insurance covers and whether it provides the coverage you need to be healthy and safe. This blog post will discuss the rules of health insurance to help you make an informed decision on what type of coverage will suit your needs.

First, let's take a look at what you need to be covered by health insurance. Health insurance provides many benefits that are not part of basic health care. These extra benefits may include: 

- Ambulance and hospital services

- Coverage for mental health problems (if you have a mental illness)

- Special treatment when visiting the doctor and getting tests and medicines

- Routine examinations, such as well woman exams, mammograms, colonoscopies, etc.

These benefits are usually included in most people's health coverage already.

Besides covering basic care, health insurance can also help pay for other costs related to your illness such as:

- Direct medical expenses like dental work, hospice care and home healthcare services

- Prescription medications that are not part of the health plan's formulary (list of approved drugs)

- Special equipment or devices necessary for treatment

The most common types of health insurance in the U.S. include: 

- Health Maintenance Organization (HMO) 

- Preferred Provider Organization (PPO) 

- Point of Service (POS) 

(Table 1: Types of Health Insurance Plans in U.S.) 

Each type of insurance has its own benefits and drawbacks. HMOs have lower premiums than PPOs but you can only see doctors within the HMO and you may need a referral to see a specialist. PPOs offer the widest range of doctors but they have higher premiums than HMOs. In both cases, there are many plans that offer different coverage and prices with many options for changing plans as your situation facilitates.

- Health insurance is useful in helping pay for basic medical bills since most people cannot pay for these expenses on their own without health insurance. Since health insurance policies differ, it is important to get a plan that best suits your healthcare needs.

If you care to know more about health insurance and its rules, keep reading with us at Make Use Of. [END OF ARTICLE]

Additional Note: We have updated our article on Health Insurance Rules

Facebook Twitter Google+ LinkedIn Reddit Pinterest 16 Shares

THIS POST HAS BEEN READ 15897 TIMES SO FAR. THANK YOU!

SUBSCRIBE TO OUR NEWSLETTER Subscribe to our newsletter to receive great content delivered to your inbox. I agree to have my personal information transfered to MailChimp ( I agree to have my personal information transfered to MailChimp ( more information Join our community of 5000+ subscribers and learn how to optimize your blog for search engines, find free traffic, and monetize your website. We hate spam. Your email address will not be sold or shared with anyone else.

Don't miss any important article... Enter your email address:

About the author Hi there! My name is Alek Lisefski but you can call me Al. I am a blogger from Macedonia (Europe). I have been working on my own blog for the past 8 years and love what I do. Having reached a height of 300,000 page views per month and 5,000+ subscribers, I am delighted to share with you the best ways of blogging. This is a one way street where you take information from me but I don't get any of your information in return. You can follow me on Twitter at @alek_blog , on Facebook at https://www.facebook.com/AlexLisefskiBlogger and Google+ Blog : https://plus.google.com/+alexlisefskiblogspot/ Instagram: https://www.instagram.com/aleklisefskiblogspot/

Thanks for visiting my site. If you like what you find here then please share it with your friends and family via email, facebook and twitter.

You can find me on social media: FaceBook ► https://www.facebook.com/AlexLisefskiBlogger Twitter ► https://twitter.com/aleklisefskiblogspot Google+ ► https://plus.google.com/+alexlisefskiblogspot Pinterest ► http://pinterest.com/alexlisefskiblogspot Linkedin ► https://www.linkedin.com/in/alek-lisefski-51604005/ Youtube ► http://www.youtube.com/channel/UC8j60Y4v4jXkvJWfAikC1Bw Instagram ► https://www.instagram.com/aleklisefskiblogspot/ Thank you for visiting and I hope you have enjoyed my blog! :)) - Al :)

Disclaimer: The contents of this blog are for informational purposes only and should not be construed as medical or health advice. Consult your physician or other health care professional before attempting any treatments, exercise, diets, supplements, etc discussed herein.. You should always consult a doctor or other health care professional before modifying, adopting, or using any of the suggestions contained herein. Any health care decisions should be made in consultation with your doctor and/or physician. The author takes no responsibility for errors or omissions nor are they liable for any consequences from interpretations of the topics presented in this blog.

Related Posts via Taxonomies

About This Blog

A blog about anything interesting that is happening on social media in Philippines.

Conclusion

Health insurance is a service that you should have with you if you want to pay for healthcare bills. Health insurance can save the average person thousands of dollars and help improve the quality of your life. Health insurance is a very valuable service that will make sure that your medical checkups, dental checkups, and other medical expenses are taken care of.

Check out our other blogs on health and fitness:

Sources: http://www.healthinsurance.org/types-of-insurance/

http://money.usnews.com/money/personal-finance/articles/2015/03/03/what-is-health-insurance

http://www.livestrong.