By Thomas Henry
There is a gradual rise in the number of young people suffering from physical disorders and diseases. Some of the factors that have lowered the health standards include improper lifestyles, climatic conditions, lack of exercise, and strain. A nice health insurance policy has become an important thing for people with increasing costs of medical treatment and care. There are a huge number of health insurance providers who offer their products for the customers of various age groups in California. A number of programs like Medicaid have also been designed by the federal government to put as much number of people as possible into the health insurance coverage.
People in the low-income group can benefit more from these government programs. To select a suitable health insurance plan, understanding of various kinds of health plans available in the insurance market is important. A number of insurance brokers are there who advice the customers on different health plans to make the correct decision. The insurance brokers help the people in selecting the best plan that suits their age, standard of life, and past medical history. Both the customers and insurers pay the medical expenses in the fee for service plan. One of the conventional forms of health insurance is fee for service plan. Indemnity plan and managed care plan are two main kinds of insurance plans. An indemnity plan offers a huge range of hospitals, doctors, and medical services than a managed care plan. An indemnity plan option is also called a reimbursement plan, where the reimbursement amount differs depending up on the policy. The actual expense of medical care is paid by the insurer.
The three kinds of managed care health plans available are Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), and Point of Service Plans (POS). HMOs provide health care services with a fee on monthly basis and offer treatment on the basis of prepaid. PPOs are organizations that comprise of doctors and hospitals, and these organizations offer their services only to particular groups or associations. An individual does not have to pay a deductible in POS plans. In managed care plans, the service is being offered through a network of doctors and health care services owned by them. Information on various types of health insurance plans is provided through their websites by all the reputed providers of health insurance.
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