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The following article was published in our article directory on July 28, 2010.
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Comparing The Five Different Types Of Health Insurance Available In The U.S.A.

Article Category: Finances

Author Name: Steven Giles

Within the United States, there are around five different types of health insurance available: traditional health insurance; preferred provider organizations or PPOs; point-of-service plans or POS; health management organizations or HMOs; and most recently, health savings accounts or HSAs. With so many kinds of health insurance, it may perhaps be confusing trying to figure out which one best fits your needs, so carefully research every one and speak with a professional if you require clarification.

Traditional health insurance is the one that most persons think of while they think of health insurance. You pay the insurance company a premium every month, and if you have an accident or else a need for health insurance, you have a deductible sum you must shell out and then the insurance company picks up the remainder of the invoice. You frequently have an inexpensive office and/or prescription co-pay with traditional health insurance.

With people living for a longer time, health insurance companies started to look for extra ways to lower their expenses, developing different health plans such type of as PPOs. PPOs are plans that will cover virtually all of your medical expenses as long as you stay within a favored group of physicians or hospitals. This network makes a "preferred provider" directory that you can choose from. Treatment outside this system of providers is covered but only at a reduced charge, meaning you end up spending more to go to see a doctor out of the network. By limiting the physicians and hospitals covered inside their system, the insurance company can manage, to an extent, their expenses and reduce your premiums. POS plans work similar to PPOs, but require you to have a primary care general practitioner through whom you can receive referrals for specialists. If you need to visit a neurologist or a dermatologist, you must initially go to see your primary care general practitioner for an initial prognosis in order to be given a referral to a specialist for a more thorough diagnosis. POS plans also have a preferred provider system, and if you decide to go to see a specialist or general practitioner outside that group, your coverage will be limited.

HMOs intermix a stricter version of PPOs and POS plans. HMOs have a defined list of physicians, often a great deal smaller than PPO networks, which you could see. You will not be covered at all if you pay a visit to a doctor beyond your HMO network. Additionally, you must also get a recommendation from your primary care HMO doctor to go to see any specialist. On the other hand, these limitations mean that you pay an extra low or no monthly premium.

HSAs were recently signed into law by President Bush. You can deposit money into a special non-taxed, interest-gaining savings account that must be used for medical expenditures. The perfect situation for an HSA is to combine the account with a low-cost, high-deductible insurance plan. The savings account is intended to permit you to cover the high deductible if you find the need to protect high-priced medical costs while the insurance company will pick up the rest of the bill. Again, it is important to carefully consider each option before choosing a single health insurance plan. Your healthiness is important-make sure it is protected in the best way possible.

Keywords: health insurance policies,personal health insurance cover,medical insurance

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