What is health insurance cooperation?
Health insurance is basically a group of people who meet, establish a company and insure each other. Such teams consist of a wide range of reasons, including the rejection of already created health insurance companies. In general, it is difficult to start cooperation and cooperatives of health insurance are no different. The newly fled the company must conclude contracts with doctors and hospitals, except that capital is to pay immediately for major injuries and illnesses. Sometimes there is some confusion between real health insurance cooperatives and negotiating a health insurance group with established company.
Insurance cooperatives are consumer companies that operate similarly to ordinary insurance companies. The insured pays the bonus every month or other specified time and its health care costs are covered to the specified extent. Connection to a cooperative instead of a regular insurance company can save money on premiums, especially if the company is non -profit. The primary disadvantage of co-ops is herCH limited network, because not every medical institution is willing to accept a small, newly created insurance company.
The dismissal of health insurance varies from person to person. Some people are happy that they are part of consumer business instead of dealing with large private health companies or local administration. Other people are not unreadable to receive health insurance through private companies due to existing conditions and consider the cooperative as a way to manage their health care costs. Some people may have had a bad experience with a government or private trade and decided to try cooperation.
Whether a person is trying to start a food cooperative, an apartment to cooperate or an insurance cooperative, meets obstacles. Starting the company is a time -consuming and demanding work, which often requires a significant amount of money in advance. It is also necessary to seeIT process of applying to prevent fraud with insurance companies and meet the license requirements of local administration of such a business. Although the person succeeds in successfully launching cooperation in health insurance, there is no guarantee that he will not disappoint in the coming months or years.
Finally, there is a difference between health insurance cooperation and a group of people who decided to buy insurance together. The first is a consumer company and the second is simply a group of people trying to get a better health insurance solution through an already established company. The truth of health insurance cooperatives usually do not buy health insurance; Instead, they provide it directly.