|
|
Below
is a list of major medical insurance plans topics that will be covered on
this page.
Major medical
insurance plans
Major medical
Insurance Plans
Insurance plans
Quotes
Home
Sitemap
Contact Us
|
|
Major medical insurance plans
What
happens if you or your family member leaves the job? You will lose your
employer-supported group coverage and may opt for major medical insurance plans.
It may be possible to keep the same major medical policy, but you will
have to pay for it yourself. This will certainly cost you more than
group coverage 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 after they leave their employer. Called COBRA (for
the Consolidated Omnibus Budget Reconciliation Act of 1985), the law
requires that if you work for a business of 20 or more employees and
leave your job or are laid off, you can continue to get health insurance
coverage for at least 18 months. You will be charged a higher premium
than when you were working.
Major medical insurance plans
information
The differences
among fee-for-service plans, major medical insurance plans, HMOs, and PPOs
are not as clear cut as they once were. Fee for service plans have adopted
some activities used by HMOs and PPOs to control the use of medical
services. And major medical insurance plans, HMOs and PPOs are offering
more freedom to choose doctors, the way fee-for-service plans do. By
studying your major medical insurance plans options carefully, you will
be able to pick the one that provides you with the coverage you need,
no matter what it is called.
Major medical insurance plans
Because HMOs receive a fixed fee for your covered medical care, it is in their interest to make sure you get basic health care for problems before they become serious. HMOs typically provide preventive care, such as office visits, immunizations, well-baby checkups, mammograms, and physicals. The range of services covered vary in HMOs, so it is important to compare available plans. Some services, such as outpatient mental health care, often are provided only on a limited basis.
|
Major medical
insurance plans services offer you new faster insurance quotes, major medical
insurance plans and information.
|
