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Medical health coverage

medical health coverage
Medical health coverage information.
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Below is a list of medical health coverage topics that will be covered on this page.

Medical health coverage

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Medical health coverage

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What happens if you or your family member leaves the job? You will lose your employer-supported group coverage and may opt for medical health coverage. It may be possible to keep the same 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.

Medical health coverage information

The differences among fee-for-service plans, medical health coverage, 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 medical health coverage, HMOs and PPOs are offering more freedom to choose doctors, the way fee-for-service plans do. By studying your medical health coverage options carefully, you will be able to pick the one that provides you with the coverage you need, no matter what it is called.

Medical health coverage

The preferred provider organization is a combination of traditional fee-for-service and an HMO. Like an HMO, there are a limited number of doctors and hospitals to choose from. When you use those providers (sometimes called "preferred" providers, other times called "network" providers), most of your medical bills are covered.


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