Many people wonder how the term “Unified Health Insurance” became popular. It has become a part of many peoples’ vocabulary and we can think of it as a “catchall” phrase that means a variety of things.
It is common for health insurance policies to cover two or more individual policies. For example, you could get health insurance through your employer but they may not include prescription medications. You might have a separate health insurance policy through the government but there will often be gaps in coverage.
If you are not happy with either of these private health insurance plans then you can turn to a group health insurance plan such as an HMO, PPO or POS. These policies are generally less expensive than individual policies but you need to know what you want in a health insurance policy before you buy one.
If you buy a health insurance plan through an HMO or PPO you will usually get the same benefits from your provider. With an HMO you will only pay for care that is provided by a physician within your network and this usually means you pay a co-pay.
With a PPO or POS you are covered under a health insurance plan which is more comprehensive than a PPO or POS. You will usually be charged a co-pay but some companies will reimburse you a co-pay if your health plan covers it.
Another thing that is important to know about a PPO or POS is what type of health insurance covers you. Some companies do not cover dental care. Others only cover preventive care.
If you have children you might also want to consider family health insurance plans. Family plans will typically cover any child that you have including newborns to teenagers.
In general, finding an affordable family health insurance plan should not be difficult. Just make sure you understand what your options are before you start shopping around.
Most health insurance plans will give you a health risk score based on a health history questionnaire. This score is determined by your health history and other factors.
If your score is high risk factor you may want to look at a plan that covers preventive care. You should find out if a health plan covers only prescription medications or all your health needs and that you can customize the plan so that you know what options are covered.
If you already have health insurance you might want to check into a co-payment based health insurance plan. You can get a better deal on health insurance if you pay a percentage of your medical bills rather than paying the entire bill up front.
Many health insurance companies have online tools for comparing rates, coverage and providers. You can read about the coverage and options available for each insurance company before you buy a plan. or you can talk to a health insurance agent for assistance.
No matter what you end up doing, you need to compare your health insurance coverage and rates with at least three different health insurance companies. The reason for this is that every plan has different deductibles, co-pay percentages and maximum benefits. You don’t want to choose a plan just because the rates are low.
Also, some health insurance plans have a deductible amount for major medical emergencies that need to be met before coverage begins. Be sure that you are covered for all the basic health needs. Even if a lower premium is quoted be aware of what your co-pay is for major care.