The term health insurance refers to a wide variety of insurance policies. These range from policies that cover the costs of doctors and hospitals to those that meet a specific need, such as paying for long-term care. Even disability insurance—which replaces lost income if you can’t work because of illness or accident—is considered health insurance, even though it’s not specifically for medical expenses.
Today, there are many more kinds of health insurance to choose
from than were available just a few years ago. Traditional differences
between and among plans may no longer apply. Also, there is an
increased emphasis on the role of consumers in managing their own
health care and health care finances. There is a focus on providing
information on the cost of care and health care quality—at the level
of the physician, physician group, and hospital—to help consumers
and employers choose among the many options available to them.
New Health Care Marketplacefrom than were available just a few years ago. Traditional differences
between and among plans may no longer apply. Also, there is an
increased emphasis on the role of consumers in managing their own
health care and health care finances. There is a focus on providing
information on the cost of care and health care quality—at the level
of the physician, physician group, and hospital—to help consumers
and employers choose among the many options available to them.
Things have changed a lot since the 1970s, when most people in the
United States who had health insurance had indemnity insurance.
Indemnity insurance is often called fee-for-service or traditional
health insurance. This type of coverage generally assumes that the
medical provider (usually a doctor or hospital) will be paid a fee for
each service provided to the patient—that is, you or a family member covered under the policy.
in this health insurance guide i will try to explain that you do you need health insurance?
As medical care advances and treatments increase, health care costs
also increase. The purpose of health insurance is to help you pay for
care. It protects you and your family financially in the event of an
unexpected serious illness or injury that could be very expensive. In
addition, you are more likely to get routine and preventive care if
you have health insurance.
You need health insurance because you cannot predict what your
medical bills will be. In some years, your costs may be low. In other
years, you may have very high medical expenses. If you have health
insurance, you will have peace of mind in knowing that you are
protected from most of these costs. You should not wait until you
or a family member becomes seriously ill to try to purchase health
insurance.
Now the next thing explained in this health insurance guide is that How do you get health insurance?
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