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Below
is a list of private health insurance topics that will be covered on
this page.
Private health
insurance
Private health
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Private health insurance
Today,
private health insurance and health care costs are high, and getting
higher. Who will pay your bills if you have a serious accident or a
major illness? You buy private health insurance for the same reason
you buy other kinds of insurance, to protect yourself financially. With
health insurance, you protect yourself and your family in case you need
medical care that could be very expensive. You can't predict what your
medical bills will be. In a good year, your costs may be low. But if
you become ill, your bills could be very high. If you have private health
insurance, many of your costs are covered by a third-party payer,
not by you. A third-party payer can be an insurance company or, in some
cases, it can be your employer.
Private health insurance
information
There
are many different types of private health insurance. Each has pros
and cons. There is no one "best" insurance. The plans right
for a single person may not be best for a family with small children.
And a private health insurance that works for one family may not be
right for another. For example, if your family includes just two adults,
it may be less expensive for each of you to have individual coverage
than for just one of you to have a private health insurance. If you
have children, or if you might have children soon, you need a family
plan. Because your situation may change, review your health insurance
regularly to make sure you have the protection you need.
Private health insurance
Point-of-Service (POS) Plan. Many HMOs offer an indemnity-type option known as a POS plan. The primary care doctors in a POS plan usually make referrals to other providers in the plan. But in a POS plan, members can refer themselves outside the plan and still get some coverage.
If the doctor makes a referral out of the network, the plan pays all or most of the bill. If you refer yourself to a provider outside the network and the service is covered by the plan, you will have to pay coinsurance.
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Private health
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