Welcome to Health Insurance Guide
Health Insurance Plans In California Article
. For a permanent link to this article, or to bookmark it for further reading, click here.
Health Insurance policy choices
from: TonyThere are two primary types of heath insurance programs these are Managed Care Health Insurance and Fee-for-Service Health Insurance. There are both similarities and differences in health insurance plans so let's examine each type of policy.
Both health insurance programs cover a broad assortment of medical expenses; including hospital visits, surgical procedures, and partial hospital stays. Dental coverage is also provided by most health insurance plans plus reimbursement for prescription drugs.
Managed Care.
More than half of all American citizens have a managed care health insurance plan. Managed Care plans and participating providers vary but will often include: health maintenance organizations - HM0's, preferred provider organizations - PPO's and point-of-service - POS programs. The Managed Care policy is designed to offer coverage on an extensive assortment of health care services and also include financial rewards to policyholders for seeking care from health care professionals participating in the program.
Preferred provider organizations (PPO's) generally offer a wider choice of providers than HMO's. Premiums can be similar to or slightly higher than HMO's, and out-of-pocket costs are generally higher and more complicated than those for HMO's. PPO's allow participants to venture out of the provider network at their discretion and do not require a referral from a primary care physician. However, straying from the PPO network means that participants may pay a greater share of the costs.
Fee-for-Service.
These health insurance plans dictate that the health care or medical professional be paid a set fee for each individual service administered to the patient or policy holder. A doctor or medical practitioner of their choice can see the medical caregiver or the patient - health insurance policyholder, can file Health Insurance policyholders or Patients and the insurance claim.
This article has been written by http://www.personal-health-insurance.info
For more information on health insurance, visit our web site http://www.personal-health-insurance.info
This article is not a substitute for medical advice.
Please feel free to use this article in your newsletter or on your web site, the resource box must be included. If you use this article, please send a brief message to let me know where it appeared: mailto:phi@t4star.com Thank you.
Health Insurance Plans In California News
Will health reform cause the next bailout? - The Week Magazine
 Boston Globe | Will health reform cause the next bailout? The Week Magazine But even subsidized, the monthly cost of COBRA benefits is $388 per California family. Rather than pay almost $5000 per year for health insurance they ... Obama Gets Tough on Health Care Fraud Health plans may have to submit rate hikes to regulators The state-based single payer strategy |
Few customers collecting from health-care settlement - Capitol Weekly
 TopNews United States | Few customers collecting from health-care settlement Capitol Weekly The Department of Insurance says it will announce new rules in May for what health plans must do before they cancel a customer's insurance policy. ... ABC, CBS, NBC Join Obama's Attack on Insurance Companies Insurance Regulation Expert Calls for Freeze of Health Rates Until 'Prior ... Calif. regulators defend rescission settlements |
Why Nation Needs Insurance Reform - Southern Pines Pilot
 Legal News Line | Why Nation Needs Insurance Reform Southern Pines Pilot Such unnecessary and uncompassionate actions by health insurance companies also have a de-stimulative effect on our economy and will delay our nation's ... Administration, health insurers point fingers at each other in premium hike ... Anthem a boon to Obama's healthcare efforts Jennifer Wray, Grand Forks, letter: We must rein in health insurers' profits |
Fiorina: More competition needed for health care - San Jose Mercury News
Fiorina: More competition needed for health care San Jose Mercury News "The truth is that the health insurance industry is a regulated oligopoly. There isn't enough competition for health insurance companies," she said, ... First Take: Schwarzenegger stays home. Pay cuts for lawmakers? Fiorina: More competition needed for health care |
A story from the health-insurance crunch | Philadelphia Inquirer | 03/09/2010 - Philadelphia Inquirer
 Scranton Times-Tribune | A story from the health-insurance crunch | Philadelphia Inquirer | 03/09/2010 Philadelphia Inquirer Since last month, Obama has focused on similar increases in California and elsewhere as evidence of the need for a health-care overhaul. ... Blue Cross avoids White House ire on insurance rates |
Health insurance rate hikes are par for the course - Los Angeles Times
 New York Daily News | Health insurance rate hikes are par for the course Los Angeles Times California health plans must also provide customers with 30 days' notice of a planned rate hike. Efforts to tighten restrictions are underway at the federal ... Health insurance rate increases imminent with or without reform bill |
Anyone Remember What's In The Health Care Bill? - NPR
 Reuters | Anyone Remember What's In The Health Care Bill? NPR And that will reduce their costs and put pressure on insurance companies to offer lower-cost, higher-quality plans." Another cost-cutting aspect of the bill ... Senate OKs unemployment, COBRA extensions Senate approves $138-billion spending bill Senate Passes $138 Billion Bill Extending Jobless Aid |