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Different Kinds of Insurance Protection to Secure Health Online
Married or single, with or without children, you have to plan for medical expenses. You are not invincible as you can get sick anytime – an unforeseen event in your life. You may not be affected so much if the medical expenses had not zoomed up in the last few years. But with the high cost of being sick, your ultimate goal is be ready with a secure health online protection. With that in mind, you have a next step to go; you need a balance of benefits and premium payment for one great health insurance.
Some people may not really have to worry about health insurance because as an employee, this is one benefit received from the employer. And if you have a spouse who is covered by a group insurance under employee benefit, it is highly possible that you and your children are taken in as dependents and are therefore also covered under the program. There are some people who purchase their individual health insurance and being one of these kinds you are not as expense-free as the employed person. And maybe because of limited resources or knowledge on the value to secure health online, one may not have thought of this protection.
Most employee benefits come under the PPO or HMO insurance and the personnel gets a sort of secure health online. If affordable medical insurance is not part of your benefits or in case you are not employed, you still have the privilege to have one. It may be costly on your part but you can have an indemnity plan or a free-for-service cover.
Secure health online insurance with indemnity plan
The indemnity plan is a traditional kind where you can go to any doctor of choice. This is flexible but there are two limitations. It is hard to find an insurance company that offers this secure health online insurance and it is too expensive. With this plan, you pay the out-of-pocket medical bill and the insurance company reimburses to you 80% of what you paid. The main benefit of this kind of health insurance is that you can have medical care from anywhere you want. There is no restriction and you will not be asked referrals from your health insurance company. When you have this kind of plan, you will have to raise money for your hospital expenses up front. You only reimburse the 80% from your service provider.
Understanding health insurance benefit under the HMO plan
A more affordable medical insurance is the HMO or Health Maintenance Organization insurance. Since this is low cost, expect this to provide fewer options in your medical care claim. You will have a primary care physician and every time you need to have medical service, you have to go to this physician to endorse you to another that can suitably attend to your case. We have said that this is restrictive, all because you have to consult with a doctor or go to a hospital that is accredited by the same insurance company. You cannot seek medical care outside of the HMO network of medical care providers. Receiving medical attention from outside the network provided by the HMO, your medical expenses are not covered and would never be reimbursed. Since this is very limited, it may happen that your needed medical care is not covered and is therefore impossible for the HMO Company to pay for it.
The big advantage in this plan is the low cost. Your out-of-pocket is low and may even be too minimal. There is no need for claim forms to accomplish when you need to use your health plan under the HMO. What about the cons to HMO? As indicated, you cannot get medical care outside of the HMO network. You will always have to go to your primary health care personnel for the use of the benefit. This primary care person will have the disposition to refer you to the needed doctor or specialist. Some kinds of services may not be allowed or covered.
PPO plan is affordable medical insurance
Another kind of affordable medical insurance is the PPO or Preferred Provider Organization. Under this plan, the doctors and all medical practitioners under the network will collect fees that are very substantially discounted. Understanding health insurance, you will discover that the insurance company makes arrangement with the medical care provider for a discount which will be passed on to the plan holders.
The difference of the PPO from the HMO is the non-requirement for a primary care person so you will have no need for referral. Your choice of doctor or hospital may not be within the network, however, the fee may be higher. It only means that the flexibility of your secure health online comes with price. The out-of-pocket expense becomes unpredictable because of the difference in the fees or charges.
There is no good reason why you cannot secure health online. With a restricted budget, you can enjoy the benefits of subsidized medical expenses. Your affordable medical insurance will take care of some of the medical and hospital expenses.