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