Health Insurance Guide

Health has always been uncertain. We can try our best to keep fit, but after a certain age the expenses on health do increase. It’s better to keep ourselves insured under a Medical Plan to make sure that our medical expenses are taken care of.

If we talk about Individual Health Insurance Plans in US, they are designed to help an individual and their families access care and cover the medical cost of receiving medical services from any physician, hospital or other provider.

There are different types of Medical Plans:

• Indemnity
• Health Maintenance Organization
• Preferred Provider Organization
• Point of Service Plan
• Exclusive Provider Organization
• Consumer-Driven

Health Insurance Portability and Accountability Act (HIPAA) Privacy – Protected Health Information. Under HIPAA Privacy, unauthorized individuals cannot ask or inquire about any clinical or personal health information when counseling participants about their Medical Plans. Indemnity Plans – These plans are sometimes called “Free-for-Service” Plans, where:

• An individual pays the medical care provider directly for services
• Files claim to be reimbursed by the Plan

An Individual can seek care from any doctor or hospital and receive benefits. Hospital precertification is required for some services in order to receive the highest level of benefits. Read the rest of this entry »