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Individual Health Insurance Article
This is a selection made from among articles on Individual Health Insurance. For a permanent link to this article, or to bookmark it for future reading, click here.
ÿþW h i c h W a y t o G o : G u i d e t o O b t a i n a n I n d i v i d u a l H e a l t h I n s u r a n c e i n T e x a s < b r > < b r >
from:T e x a s i s t h e l a n d w h e r e o n e o f t h e p r o m i n e n t m e d i c a l c e n t e r s i n t h e w o r l d c a n b e f o u n d . T h e T e x a s M e d i c a l C e n t e r i s t h e h o u s e o f s i g n i f i c a n t r e s e a r c h a n d h e a l t h c a r e i n s t i t u t i o n s . < b r > < b r >
W i t h T e x a s h a v i n g r e n o w n e d h e a l t h c a r e i n s t i t u t i o n s , h e a l t h i n s u r a n c e c o m p a n i e s s p r u n g l i k e m u s h r o o m s . E v e r y c o m p a n y a i m s t o s e l l d i f f e r e n t k i n d s o f i n s u r a n c e t o T e x a n s . I n d i v i d u a l h e a l t h i n s u r a n c e h a s b e e n a c o m m o n p r o c u r e m e n t . < b r > < b r >
H e a l t h i n s u r a n c e c o m p a n i e s i n T e x a s a r e c a t e g o r i z e d i n t o t w o m a j o r c o m p o n e n t s : ( 1 ) F e e - f o r - S e r v i c e a n d ( 2 ) M a n a g e d C a r e H e a l t h P l a n s . < b r > < b r >
F e e - f o r - S e r v i c e < b r > < b r >
F e e - f o r - s e r v i c e i s c o n s i d e r e d a c o n v e n t i o n a l w a y o f o b t a i n i n g h e a l t h i n s u r a n c e p l a n s . Y o u w i l l b e t h e o n e w h o w i l l p a y f o r a n y u p f r o n t c h a r g e s y o u h a v e i n c u r r e d d u r i n g a n y p h y s i c i a n c o n s u l t a t i o n a n d t r e a t m e n t , h o s p i t a l v i s i t s a n d o t h e r r e l a t e d h e a l t h s e r v i c e s . < b r > < b r >
Y o u a c h i e v e f l e x i b i l i t y o n c e y o u d e c i d e t o g o w i t h f e e - f o r - s e r v i c e p l a n . Y o u h a v e t h e r i g h t t o d e c i d e t h e p h y s i c i a n a n d h e a l t h c a r e p r o v i d e r s t h a t w i l l t a k e c a r e o f y o u r h e a l t h a n d m e d i c a l n e e d s . < b r > < b r >
T h e d r a w b a c k u n d e r f e e - f o r - s e r v i c e p l a n i s t h a t y o u w i l l h a v e t o s e p a r a t e l y p a y e a c h h e a l t h s e c t i o n y o u h a v e u n d e r g o n e . F o r i n s t a n c e , y o u w i l l n e e d t o s e e t h r e e i n d e p e n d e n t s p e c i a l i s t s , a n d t h e n y o u h a v e t o d i s b u r s e s e p a r a t e p a y m e n t s f o r e a c h s p e c i a l i s t . B y d o i n g s o , y o u a r e m o r e l i k e l y t o w a s t e a l o t o f t i m e a n d e f f o r t s i n c e y o u a r e t h e o n e w h o p e r s o n a l l y m a n a g e y o u r m e d i c a l f i n a n c e s . < b r > < b r >
T h e r e a r e s o m e i n d i v i d u a l s w h o f i n d f e e - f o r - s e r v i c e p l a n m o r e c o s t l y c o m p a r e d t o m a n a g e d c a r e h e a l t h p l a n . O t h e r s c o m p l a i n o f h i g h e r p r e m i u m p a y m e n t . M o r e o v e r , y o u a n d y o u r i n s u r a n c e c o m p a n y w i l l b e b o t h e r e d b y t o n s o f p a p e r w o r k s t o a c c o m p l i s h . < b r > < b r >
M a n a g e d C a r e H e a l t h P l a n s < b r > < b r >
M o s t o f y o u r h e a l t h s e r v i c e s a n d m e d i c a l f i n a n c e s a r e b e i n g a d m i n i s t e r e d b y a m a n a g e d c a r e h e a l t h p l a n . T h e m a n a g e d c a r e h e a l t h p l a n h a s p o o l o f h e a l t h c a r e p r o v i d e r s a n d u n i t s f o r y o u t o s e l e c t f r o m . < b r > < b r >
T h i s t y p e o f h e a l t h p l a n i s c o m p o s e d o f t h r e e m a j o r c o m p o n e n t s : < b r > < b r >
1 . H e a l t h M a i n t e n a n c e O r g a n i z a t i o n o r H M O < b r > < b r >
2 . P r e f e r r e d P r o v i d e r O r g a n i z a t i o n o r P P O < b r > < b r >
3 . P o i n t - o f - S e r v i c e ( P O S ) P l a n < b r > < b r >
T h e e d g e o f m a n a g e d c a r e h e a l t h p l a n o v e r f e e - f o r - s e r v i c e i s h o w y o u r h e a l t h s e r v i c e s a n d m e d i c a l f i n a n c e s a r e b e i n g s u p e r v i s e d a n d d e a l t w i t h . H e n c e , i t w i l l b e l e s s t r o u b l e s o m e o n y o u r p a r t . < b r > < b r >
H o w e v e r , m a n a g e d c a r e h e a l t h p l a n a l s o p o s e s s o m e d i s a d v a n t a g e s . O n e i m p o r t a n t f a c t o r i s y o u r r e s t r i c t i o n t o c h o o s e y o u r o w n p h y s i c i a n a n d o t h e r h e a l t h c a r e p r o v i d e r . A l t h o u g h y o u s t i l l h a v e a n o p t i o n t o c h o o s e y o u o w n o n s o m e c o m p o n e n t s u n d e r m a n a g e d c a r e h e a l t h p l a n b u t y o u w i l l h a v e t o p a y a h i g h e r p r i c e f o r t h a t . < b r > < b r >
L a t e l y , t h e r e h a s a l s o b e e n a d e b a t e a b o u t m a n a g e d c a r e h e a l t h p l a n s . T h e r e w e r e m e d i c a l s u r v e y s w h i c h p o i n t s o u t t h a t d u e t o i t s a f f o r d a b i l i t y , s o m e m a n a g e d c a r e h e a l t h c o m p a n i e s d o n o t m e e t t h e r e q u i r e d s t a n d a r d o n g i v i n g i t s c o n s u m e r s t h e b e s t h e a l t h c o n s u l t a t i o n a n d t r e a t m e n t . < b r > < b r >
Y o u h a v e t w o o p t i o n s f e e - f o r - s e r v i c e o r m a n a g e d c a r e h e a l t h p l a n a l l y o u n e e d t o d o i s w e i g h t h e p r o s a n d c o n s e a c h p l a n w i l l b r i n g i n t o y o u r l i f e . Y o u r h e a l t h i n s u r a n c e c o m p a n y c a n g i v e d e t a i l e d i n f o r m a t i o n o n y o u r p r e f e r r e d o p t i o n . A d d i t i o n a l l y , y o u m a y a l s o s e e k t h e a d v i c e o f y o u r c l o s e f r i e n d s o r r e l a t i v e s w h o h a v e p u r c h a s e d a n i n d i v i d u a l h e a l t h i n s u r a n c e . B e f o r e y o u a r r i v e a t a f i n a l d e c i s i o n y o u m a y c o n s i d e r s o m e t h i n g s s u c h a s : < b r > < b r >
" F i n a n c e s
" L i f e s t y l e
" H e a l t h a n d M e d i c a l c o n d i t i o n
Y o u a r e i n a p l a c e w h e r e y o u c a n g e t u t m o s t h e a l t h a n d m e d i c a l a t t e n t i o n ; a l l y o u n e e d t o d o i s c h o o s e w h i c h s u i t s y o u w e l l . < b r > < b r >
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Individual Health Insurance News
Washington Week: Insurance, State Actions Top News - MedPage Today
Washington Week: Insurance, State Actions Top News MedPage Today also has taken issue with the individual mandate portion of the law and wants Oregon to ignore the requirement that nearly everyone have health insurance ... |
American Workers Paying More for Health Insurance - eMaxHealth
 New York Daily News | American Workers Paying More for Health Insurance eMaxHealth In 2010, workers paid almost $4000 a year for family health coverage. Employees with individual coverage are paying an average of $899 this year, ... Workers paying more for less health insurance Employees Pay More and Get Less from Medical Coverage US companies shift bigger share of health care costs onto workers |
Big leap in private health coverage predicted - Palm Beach Post
 PR.com (press release) | Big leap in private health coverage predicted Palm Beach Post Without health reform, the number of uninsured in the country would be 52 million, the simulation estimates. The individual insurance mandate, ... On Health Care, the Devil's in the Details A Whole Lotta Studies on Small Business and Health Insurance Growth of Employer Plans Foreseen With Health Reform |
Early Retiree Health Reinsurance Plan - FavStocks (blog)
 WHTC | Early Retiree Health Reinsurance Plan FavStocks (blog) ... they are eligible for Medicare see their life savings disappear because of medical bills and exorbitant rates in the individual health insurance market. ... Retiree plan shows health act benefits Maine Organizations Qualify for Assistance with Early Retiree Health Costs 2000 groups approved for 'early retiree' health-care claims |
A Transpartisan Uprising Against the Individual Insurance Mandate - Huffington Post (blog)
A Transpartisan Uprising Against the Individual Insurance Mandate Huffington Post (blog) Could there be a transpartisan, left-right-center coalition forming against the unpopular individual health insurance mandate in the recently passed health ... Too Politically Toxic? Even Ron Wyden Distances Himself from Individual Mandate |