How the health insurance
Health insurance and health care law
Currently, the health care law, known as Law or Law Affordable Care Care Affordable, makes it easier for more people to buy health insurance on their own. It also requires most Americans to have health insurance or pay a penalty. This makes it important to understand what health insurance is and how it works.
Do I need health insurance?
Everyone is at risk of facing serious health problems at any time due to an accident or illness. If you are injured or become ill, you may need medical attention. The question is, can get the health care you need ?, and if so, can he afford it?
Health insurance makes it possible to consult a doctor, be treated or take examinations and undergo the necessary procedures. Health insurance helps pay health care costs, which are often high and helps provide financial security to you and your family. Regardless of age and general health condition, it is important to have health insurance.
What is health insurance?
Health insurance is a contract between you and an insurance company agrees to pay part of their medical expenses if you are injured or sick. In return, you make monthly payments to your insurer and helps cover part of the cost of your care.
Health insurance plans generally cover preventive care to help keep you healthy, such as screening for cancer , vaccines and checkups. Also they cover the treatment of injury or illness. Health plans vary considerably in terms of the services covering and the proportion of costs to be paid, despite the health care law is helping many people find a plan that offers coverage they need at a price they can afford .
Do you think there are people uninsured know?
Before the health care law came into force, there were more than 50 million people in the United States without health insurance. Some of them chose to live without coverage, while others were denied coverage or could not afford it. They all faced the risk of needing medical care and can not obtain it. If you do not have health insurance, you pay the full price of medical care out of pocket. One night in a hospital can cost thousands of dollars. And treatment for a disease like cancer can cost hundreds of thousands of dollars.
People with or without health insurance can go to an emergency room for urgent medical attention. However, emergency rooms do not provide periodic health examinations, chronic care and other preventive services that can help keep you healthy. If you have a disease in advanced stage, maybe in an emergency room the disease is not treated at all. Also, if you have a serious injury, you may not undergo surgery or receive the treatment you need to feel better. Also, if you do not have health insurance, billed services emergency room, an average of more than $ 1,000 per visit.
Detailed breakdown of health insurance costs
When choosing a plan, it is important to consider all the costs you have to pay, as well as coverage and benefits offered.
Monthly premium: the monthly amount you pay to the insurance company for health coverage or the amount of your monthly bill.
Annual Deductible: The amount you pay for medical care in a calendar year before the plan begins to pay.
Copayments: a fixed amount of money you pay each time you use a covered service as a medical consultation.
Coinsurance: The percentage of the total cost of the service that you pay.
The health care law limits the amount of money that your insurance company can make you pay for your health care in a given year, generally called pocket limit cash beneficiary. (This limit only applies to private health plans, not plans offered through Medicare).
How do I know which is the right plan for me?
It is important to know what services are covered by the health plan and how much these services will cost. Until recently, people found it difficult to find information about your health plan.
The health care law requires insurance companies to provide consumers with a Summary of Benefits to be brief and easy to understand. Be sure to request one to any plan you are planning to acquire. The law also requires that all plans cover essential health benefits, including services needed to help prevent and treat serious diseases such as cancer. However, health plans cover different doctors and hospitals, and the costs for those who are not on your network can be much higher. Please read about the benefits and ask questions about the health plans you are considering. Here are some issues that must be pending when considering a health insurance plan.
These are the health care services that a plan covers. Most plans cover basic benefits such as doctor visits, hospitalizations, preventative health care and prescription drugs. But if you have special medical needs, such as expensive drugs or need certain medical specialists, you want to ensure that the plan also covers those services.
Make sure you know how your health plan expects you to pay for your health care with respect to monthly premiums, annual deductibles, copayments and coinsurance before the plan will pay for services you need. (Often these are called cash expenses or expenses paid out of pocket. Read the "Detailed breakdown of health insurance costs" for more information).
It is possible that a health plan requires you to receive medical care from certain physicians, specialists, hospitals and clinics. Some plans have extensive networks of providers that offer many health care options, while others have small networks where the options are more limited. Before choosing a health plan, get the names and contact information for your doctors. Have on hand all your medication bottles. Then you can contact the plan administrator for answers to the following questions:
Are doctors that you have been consulting included in the network of providers plan?
Does the network specialists and centers you probably need to visit for a specific health problem?
Are your prescription drugs covered?
By Rodasika