As Being A Beginner You Feel So Difficult To Choose A Best
Deal Of Insurance Policy For Your Family Members The Insurer Gives You All The
Best Policy Offers But You Cannot Be Able To Choose Which Policy Will Be
Suitable Because Of The Excess Of Love Towards Your Family But You Don’t Even
Take A Risk Factor That Affects You A Lot So Be Brave And Need To Choose An
Insurance Plan For Your Family Members In Order To This Condition You Can Go
Ahead Before You Buy An Insurance Plan For Your Whole Family Making Research Will
Really Help You Because If You Choose A Wrong Plan The Insurance Company Will
Not Be Responsible For Your Mistake.
There Are Two Basic Types Of Health Insurance:
1.
Fee-For-Service
2.
Managed Care Plans.
Fee-For-Service:
In This Fee
For Service You Are Allowed To Use Any Medical Provider That You Wanted And You
Also Have A Deductible To Pay Each Year Before The Health Insurance Company
Starts Paying In This Plan Fees For Medical Tests Which Need To Be Done Are
Prescription Drugs Are Paid As The Indemnity Plans Offer You The Choice Of
Doctors And Health Care Providers
Managed Care Plans:
This
Managed Care Plans Have Contracts With The Certain Physicians And Providers To
Give Best Services To Members At A Lower Price Even The Managed Care Plan Had
Reduced Costs Of The Policies But The Smaller Selection Of Doctors And
Services.
There Are Three Forms
Of The Managed Care Plan Are:
1. Preferred Provider Organization (Ppo)
2. Health
Maintenance Organization (Hmo)
3. Point-Of-Service (Pos) Plan.
These Are The Main And Good Services Which Will Be Provided
When To Are Getting Good Knowledge On This Insurance Companies Conditions And
Terms Which Will Be Given To You By The Insurance Company.
Beginners Health Insurance Policy
