| Health insurance is designed to offer financial | | | | room. |
| protection against losses experienced due to illness, | | | | All health insurance policies are not equal in this |
| accidents, or injury. This type of insurance comes in | | | | regard. Some policies will pay a flat rate daily for the |
| many forms that offer differing levels of coverage. It | | | | cost of a room. Other types may pay everything |
| can be purchased as part of a group policy or may | | | | after the deductible for the room. |
| be purchased by an individual. | | | | Health insurance may also cover expenses due to a |
| Group policies are generally purchased through an | | | | disability, and may cover rehabilitation such as physical |
| employer, associations, or unions. They may be less | | | | therapy, or aftercare. Disability insurance, a type of |
| expensive because the costs associated with | | | | health insurance, may pay expenses for loss of |
| administration are reduced. In addition, the employees | | | | income in addition to health care expenses. |
| or association may pay part of the premium. | | | | Some policies also provide benefits for medication or |
| Group health insurance has become an incentive for | | | | necessary medical devices such as a pacemaker. |
| potential employees who are trying to cover their or | | | | Also, some contemporary health insurance policies |
| their families' health care expenses. Some policies | | | | provide some dental coverage. However, it's |
| offer managed care. Depending on the policies of a | | | | important to note that levels of coverage will vary |
| managed care provider, preventative health care may | | | | between policies, sometimes significantly. |
| be part of the plan. Preventative measures may | | | | Health insurance may also cover you for existing |
| include regular checkups. | | | | conditions; however there may be up to a year delay |
| Individuals may purchase individual health insurance | | | | before coverage begins for policies of people with |
| polices in the absence of company provided benefits | | | | pre-existing conditions. |
| or if they are self-employed. Generally individual health | | | | Health insurance may seem like an undue expense |
| plans can be more expensive, however, they also | | | | when you are young and healthy, but it's invaluable |
| have some benefits. | | | | when you need it most. Consult with a health |
| For example, individual policies can be customized for | | | | insurance agent to make sure you have a good |
| your specific needs. Shopping around for health | | | | understanding of the benefits of your plan. They can |
| insurance can be helpful by allowing you to compare | | | | help you answer any questions you may have about |
| the benefits and cost of different types of | | | | the conditions and benefits of your policy. |
| coverage. Consulting with caring agents will help you | | | | It can also be helpful to compare a number of health |
| determine the policy that is best for you and what | | | | insurance companies, so you can get the best policy |
| level of coverage you'll need. | | | | for your individual needs at the lowest rate. |
| You may be able to save money on the premium of | | | | Becoming educated about your policy from |
| your policy if you carry a higher deductible. The | | | | enrollment on can help reduce stress levels during a |
| deductible is the amount of out of pocket expenses | | | | medical emergency. In this way you can also be |
| you pay before your coverage begins. | | | | more proactive with your own care. And you can |
| Health insurance can cover a variety of expenses. | | | | have peace of mind knowing that if an unexpected |
| For example, it may pay for the cost of | | | | situation happens, you will be covered. |
| hospitalization or surgery. It may also pay other | | | | For more information, see |
| hospital expenses such as the cost of the hospital | | | | Make-Getting-Insurance-Easy. |