subject: Protect Yourself And Your Family With Quality Health Care [print this page] If you do not have adequate health insurance, you are playing with your life, and not only your own, but that of your family. Health insurance is brutally important today and certainly makes it easy to sleep at night knowing that your family is covered in case of some type of devastating emergency. There can be no worse feeling than having a child taken to the hospital and having to say you don't have health insurance or to find out that you are not covered for some important procedure. It happens all the time. Fortunately there are plenty of health insurance options. In fact, there are so many options that they can become confusing and complicated and in times of need, it is never fun to wonder about what your health insurance will cover and what it will not cover.
There are several types of health insurance options to consider, first there are Health Maintenance Organization plans (HMO) and Preferred Provider Organization plans (PPO). They can be confusing, so do plenty of advance work to understand what each type can offer you and your family. An HMO plan allows you to choose a primary care provider, but you must only see the provider listed in your plan so it leaves out plenty of options. ;A PPO is pretty much the same since you have to choose a primary provider, but you can also visit other providers at a higher cost. Point of Service (POS) and Exclusive Provider Organization (EPO) are other lesser-known providers
There are also many different types of coverage ranging from major medical plans to a full coverage plan that covers everything including preventive care and hospitalization. If you remain healthy and do not spend a lot of time hanging around the local hospital attached to an IV, you might want to consider major medical plan that allows you to pay a typical co-payment of around 20 percent in addition to an annual deductible that varies from plan to plan. Check on the deductible amount before deciding on a plan.
You may be lucky enough to work for a company that offers affordable plans, but make sure that the plan provides full coverage or you will start getting bills that were unexpected. With a full coverage plan you will normally pay for a co-pay for a doctor's visit and a percentage of extra services, so make sure you know all of the fine print in the policy before accepting it and turning your health and financial resources over to someone.
Health insurance is not anything that is basic or easy to understand. It's a matter of doing your homework, making sure you read between the lines and understand what you are protected for and how much it will cost you in the long run. Yes, it can be complicated but not as complicated as dealing with the bills that start rolling in at the wrong time.
by: Ethan Kalvin
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