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Below
is a list of family medical plan topics that will be covered on
this page.
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Family medical plan
If your
employer does not offer group insurance, or if the insurance offered
is very limited, you can buy an individual family medical plan.
You can get fee for service, HMO, or PPO protection. But you should
compare your family medical plan options and shop carefully because
coverage and costs vary from company to company. Individual plans may
not offer benefits as broad as those in group plans. If you get a non-cancellable
policy then you will receive individual insurance under that policy
as long as you keep paying the monthly premium. The insurance company
can raise the cost, but cannot cancel your coverage. Many companies
now offer a conditionally family medical plan. This means that
the insurance company can cancel all policies like yours, not just yours.
This protects you from being singled out. But it doesn't protect you
from losing coverage.
Family medical plan
information
Family medical
plan. There are two kinds of fee-for-service coverage, basic
and major medical. Basic protection pays toward the costs of a hospital
room and care while you are in the hospital. Family medical plan
should cover some hospital services and supplies, such as x-rays and
prescribed medicine. Basic coverage also pays toward the cost of surgery,
whether it is performed in or out of the hospital, and for some doctor
visits. Major medical insurance takes over where your basic coverage
leaves off. It covers the cost of long, high cost illnesses or injuries.
Some family medical policies combine basic and major medical coverage
into one plan. This is sometimes called a "comprehensive plan."
Check yourfamily medical planto make sure you have both kinds
of protection.
Family medical plan
What happens
if you or your family member leaves the job? You will lose your employer-supported
group coverage. It may be possible to keep the same policy, but you will
have to pay for it yourself. This will certainly cost you more than a
family / group medical plan for the same, or less, protection. A Federal
law makes it possible for most people to continue their group health coverage
for a period of time. Called COBRA (for the Consolidated Omnibus Budget
Reconciliation Act of 1985),
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