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What do I need to know about Individual Health Insurance?
"Health insurance" also known as .disability insurance. is insurance of
human beings against bodily injury, disablement, or death by accident or
accidental means. What do I need to know about Group Health Insurance?
A group plan in one that is sponsored by an employer, association or
other organization, as opposed to an individual or family. With the
employee given the option to include other family members at employee
expense. What do I need to know about Managed Care Insurance: HMO, PPO,
& and POS plans?
An HMO provides comprehensive health services to its members for a
prepaid fixed fee, equivalent to an insurance premium. A PPO differs
from an HMO in that the PPO has no separate physical facility in which
to see patients. Patients visit their family physician and community
hospital as they normally would, and if these service providers have
contracts with the PPO, services will be paid for by the PPO at the contracted
rates. I need Hospital Insurance in addition to my current
health insurance policy?
Depending upon the coverage being applied. Review the policy provision
with your agent for additional information. What happens to my
health insurance if I become unemployed, and what is COBRA?
What is the federal program Medicare? What is Medicaid?
What do I need to know about Indemnity Insurance?
A principle of insurance which provides that when a loss occurs, the
insured should be restored to the approximate financial condition
occupied before the loss occurred, no better no worse. What is
Disability Insurance?
Line of insurance, which included coverages that are designed to
protect the insured against a loss of income resulting from or sickness.
What is Long Term Care Insurance?
Long-term care refers to a broad range of medical and personal care
services designed to assist individuals who have lost their ability to
perform activities of daily living without assistance. In such cases,
long-term care insurance provides coverage for both medical and
non-medical services provided in a patient's home, a nursing home, or an
assisted living facility. Unlike Medicare or most private health
insurance plans, which pay primarily for hospital stays or doctor
visits, long-term care helps pay for the cost involved in providing
assistance with activities of daily living.
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