Friday, September 23, 2011

Top 10 health insurance questions and answers

Do you have questions about health insurance? Here are the top 10 health insurance questions and answers:

1 What types of health insurance are there?

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There are two basic types of health plans - plans for indemnity and managed health care plans. Indemnity plans do you have a physician, and managed health care plans - HMOs, PPOs, and POS - you have a network of doctors and hospitals. Managed health care plans are less flexible, but much cheaperThe compensation plans.

2 What is an HMO?

With an HMO you pay a monthly premium for which you are a network of doctors, specialists and hospitals that are associated with your medical care. A doctor monitors your attention and you only see doctors in the network. Recipes can be fully covered or partially covered and generally require an additional $ 5 to $ 10. This is the cheapest type of health insurance.

3 What is a PPO?

A PPO is similar toan HMO, but allows licensed doctors to visit non-network without a referral from your family doctor. You need to pay for non-network physicians, then get partial reimbursement from your PPO provider. Co-payments are typically costs $ 5 to $ 10, and this plan a little more than an HMO.

4 What is a POS?

A POS plan is a combination of an HMO and a POS plan. Choosing a family doctor in the network, but you can also see doctors outside the network.If your doctor refers you to a doctor outside of your provider pays the POS. This is the most flexible and the most expensive of the three management plans for health care.

5 What is a deductible?

The deductible is the amount you pay toward a claim before the insurance pays.

6 What is coinsurance?

Coinsurance is the percentage of medical expenses you pay to have after you pay the deductible.

7 What is a co-payment?

A co-paymentis the amount you pay when you need to see a doctor.

8 How do I choose a health insurance?

Ideally you should have a plan, you can choose the level of benefits for the least amount of money. If you want to continue seeing your current doctor, find out what plans he or she is assigned. And if you have special medical needs, make sure the plan you choose, to provide for those needs.

Other things to consider when choosing a health insuranceare:

* What are the co-payments, deductibles and coinsurance?

* The plan covering pre-existing conditions?

* What is the waiting period for pre-existing conditions?

* If the insurance company give me good service?

9 Where can I find cheap health insurance?

Insurance premiums vary greatly from company to company, so you get quotes from several companies to get the best price.

The fastest way to get quotes from severalCompany is an online insurance comparison. You will find a short questionnaire to be filled, then you get your quotes. The best comparison sites only with A-rated insurance companies so you know found a reputable company. They also answered a call to the insurance expert your questions. (See link below.)

10 How do I know, I have a reliable health insurance?

One of the best places to check is your insurance from a stateDepartment of Insurance website. You can also reach the site by JD Power & Associates ( the rating on consumer insurance companies, and has received AM Best's Web site ( financial evaluation.

Top 10 health insurance questions and answers

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