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Below
is a list of personal medical insurance topics that will be covered on
this page.
Personal medical
insurance
Personal medical
Insurance Plans
Insurance
Quotes
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Personal medical insurance
Most
Americans get personal medical insurance through their jobs or are covered
because a family member has insurance at work. This is called group
insurance. Group insurance is generally the least expensive kind. In
many cases, the employer pays part or all of the personal medical insurance
cost. Some employers offer only one health insurance plan. Some offer
a choice of plans: a fee-for-service plan, a health maintenance organization
(HMO), or a preferred provider organization (PPO).
Personal medical insurance
information
Choosing
the right personal medical insurance is like making any other major purchase:
You choose the plan that meets both your needs and your budget. For
most people, this means deciding which plan is worth the cost. For example,
personal medical plans that allow you the most choices in doctors and hospitals
also tend to cost more than personal medical plans that limit choices. Plans
that help to manage the care you receive usually cost you less, but
you give up some freedom of choice. Cost isn't the only thing to consider
when buying health insurance. You also need to consider what benefits
are covered. You need to compare plans carefully for both cost and coverage.
Personal medical insurance
HMOs are the oldest form of managed care plan. HMOs offer members a range of health benefits, including preventive care, for a set monthly fee. There are many kinds of HMOs. If doctors are employees of the health plan and you visit them at central medical offices or clinics, it is a staff or group model HMO. Other HMOs contract with physician groups or individual doctors who have private offices. These are called individual practice associations (IPAs) or networks.
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