Health Insurance Plans........
Learn
About Health Coverage....
Health insurance helps you pay for medical services and
sometimes prescription drugs. Once you purchase insurance coverage, you and
your health insurer each have the same opinion to pay a part of your medical
expenses--usually a confident dollar amount or proportion of the operating cost.
How to get
Health Coverage.....
You can get health care coverage through :A group coverage sketch at your
job or your spouse or partner's job
Your parents' insurance plan, if
you are under 26 years old
A plan you purchase on your own
directly from a health insurance company or through the Health Insurance
Marketplace
Government programs such as
Medicare, Medicaid, or Children's Health Insurance Program (CHIP)
The Veterans Administration or
TRICARE for military personnel
Your state, if it provides a
health indemnity plan
Continuing employer coverage from
your former employer, on a temporary basis under the Consolidated Omnibus
Budget Reconciliation Act (COBRA).
Types of Health Insurance Plans.....
When purchase health insurance, your choice typically fall into one of three category:
Customary fee-for-service health
insurance plans are more often than not the most luxurious choice, but they
offer you the most flexibility in choosing health care providers.
Health maintenance organizations
(HMOs) offer lower co-payments and cover the costs of more preventive care, but
your choice of health care providers is limited to those who are part of the
plan.
Preferred provider organizations
(PPOs) offer lower co-payments like HMOs but give you more suppleness in
selecting a provider.
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