What are the different types of health care plans?
Health care plans can be divided into types and people who buy health insurance should know the difference in these plans. There may be problems with defining health care plans because some health maintenance organizations (HMO) call their policies "plans", while other companies can call different types of health insurance "insurance". It is advisable to use the plan to reference to most types of health insurance. Plans may vary and have things such as lifelong maximum or coverage limits, exclusion for coverage, deductions that must be met before the money will be returned to the insured or providers and kicking. The last one is common in many health care plans and refers to a defined amount of payments for services such as a doctor's visits.
Essentially, there are some types of health care plans that people can have. Plans of the main medical, health organizations (HMOS), preferred organizations (PPO) and POINT OF SERVICE(POS). Some people may have other types of health care such as health plans or catastrophic insurance. Discount plans can help a discount of some services provided and catastrophic plans tend to cover health care only when care becomes extremely expensive.
Major Medical can sometimes be called traditional health insurance . In this model, people see a doctor of their choice and pay them when they receive services. They then submit their insurance with their insurance to recover a certain amount of their payment. 80% of the payment is a common replacement.
In large medical plans, people often have a deductible, with which they have to meet before health insurance is made and Renews usually redefined each year. These types of plans may have excluded coverage, but offer a considerable selection in which the doctors can be seen. Have become less common with the introduction of other types of health planscare.
Thealternative model is the HMO that works to limit access and contract with specific providers. According to this type of plan, people see a doctor or other healthcare professionals and facilities that conclude a contract with the Plan of the HMO. When they need to see experts, they can also choose from a list of specialized providers, and only in rare cases people can see experts who are not contracts with the plan. They may require approval to see experts or to have any planned hospitalization if they want to make a care.
Under most HMOS, people may have little deductible, but they tend to pay co -workers within their costs. Usually they do not have to apply for payment, because medical experts give further money with the health insurance company. This may mean the obligation to pay for medical services begins and ends with harassment, which may be appropriate.
PPO is similar to the HMO plan except that people can chooset, that they will see specialists outside the list of preferred providers. If yes, the plan acts as the main health insurance and pays the percentage of the person's costs. Most people use the preferred provider, which means that co -workers are similar to HMO. One difference is that the recommendation usually does not have to see experts.
Point of service is a hybrid plan of HMO/PPO. People have preferred providers, but tend to see experts. Without recommendations, they can be responsible for the entire cost of specialized care. They can see a specialist in or outside the medical plan, but usually require recommendations first.
Most of these health care plans require regular payment. People can get a plan through their work, professional associations, privately or through some government health programs. Most plans come from private insurance companies and the amount of selection for available plans may vary. PPO and Posts tend to bI may be slightly more expensive than HMO and the main doctor may vary from coverage prices.