Let's start with the basic terminology of the medical health plans (health insurance). There are three basic coverages in the plan, deductible and coinsurance (coins) and is often used copay. I'll explain them below.
deductible This is what you pay from your pocket before the insurance company pays any claims. Deductibles are on an annual basis and return every January first. This is similar to your car or home insurance policy.
coinsurance After you meet your annual deductible, the insurance company shares some of the costs with you until you reach your annual maximum out of pocket. Plans are written as 80/20 or 90/10 plans plans, they always add to 100%. It is not unlimited, there is a stop loss for you.
co-pay: co-pay amount you pay for doctor visits (HMO or PPO plans) or plan pharmacy recept.Copay has nothing to do with an annual deductible, not all plans are co-of wages.
What to look for when buying a family health insurance?
If you see a doctor or a lot of your children often need medical care May want health maintenance organization (HMO) plan.HMO kind of plan that has a network of doctors and facilities that you need to go to health care. Your health insurance company will have a list of doctors for you to choose from and the doctor you choose the doctor you go to when you feel sick. Your patient is responsible for when you visit a health care facility in the co-pay, it's good for individuals or families with children who need to visit the doctor many times a year.
If you are a person who does not go to the doctor much, except for inspection, you May want to the PPO plan. These insurance plans are network services that you can go to receive health care at a discounted or negotiated rate. Although the network of physicians who agree to negotiated rates do not all do and this is considered the mreže.Plan PPO Health allows you to go to the physician network, but you will be responsible for more non-negotiated health care costs.
Higher insurance, higher premiums to pay for individual and family health insurance.
Buying Health Insurance Online
The Internet is a powerful way to shop for insurance. Most health insurance quotes from the web site will run a comparison of all types of plans from top health insurance carriers. You can browse and purchase insurance online without having to talk to agenta.Cijene insurance plans are state mandated, and no one site can give you a better quote from another. Buying directly from the insurance company will not save you any money, everyone has the same price. Working with an agent gets you free advice and helps you sort out which plans are best for you. So on-line shop, there is no obligation to buy and you can complete the application right online.
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