Health insurance helps people protect themselves against high medical costs. It is a contract between the person and the insurance company where the person buys a plan and the company agrees to cover part of the medical expenses.
Many people in the United States have insurance for health care through their employers. In most cases, the employer helps pay for that insurance. Insurance through employers is usually a managed care plan. These plans hire health professionals and medical centers to provide medical care to members, with reduced costs. You can also purchase insurance for your health care on your own.
People who meet certain requirements may be entitled to government health insurance, such as Medicare and Medicaid. The Affordable Care Act provides coverage for many people in the United States.
Health Insurance or Illness
The Health or Illness Insurance provides the owner and his family with health , assistance and sometimes economic coverage , in the event of suffering from any illness or illness.
Modalities
1. Healthcare
With this form of ax or the insured rec and coverage care medical-surgical within a box professional and centers with the company.
The main coverages consist of services provision . The payment of cash compensation
is not allowed as an alternative to the provision of health care services. The basic healthcare service can be supplemented with certain benefits of an economic nature, or with other additional coverages.
For example, coverage for personal accidents, collection of temporary income, preservation of umbilical cord stem cells, etc.
2. Medical Expenses Reimbursement
Through this form of insurance the insured can go to any doctor or hospital center, anywhere in the world, to receive the medical attention he needs. He himself will pay the medical expenses incurred and, subsequently, send the bill and the medical report to the insurer.
3. Compensation
The insured receives an economic amount fixed in the policy that is paid in case of certain situations related to his / her state of health (hospitalization, sick leave, etc.).
How does a medical insurance work?
Health insurance (also called medical insurance or medical expenses insurance) is a contract between you and an insurance company. In exchange for you making the premium payments, the health insurance company agrees to pay the medical expenses you may incur under the terms of the contract. Health insurance is essential in these times, since a simple accident or a serious illness could end your savings and sink you into debt.
There are many reasons to buy health insurance for you and your family, but this is the most important, because medical expenses can reach tens of thousands of dollars or more for a simple injury or illness. In addition, costs for hospitalization and treatment of injuries continue to grow at a rate that exceeds inflation.
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