Health Insurance - E-book - ePub

Unlike other developed countries, the United States does nothave a universal health coverage system. Today, everyAmerican must purchase their health insurance, and mostAmericans get coverage through their employers. A goodportion of the population, however, search directly privatecompanies that offer different health insurance plans. The members of these private plans, and regular payments, sometimes also have to pay part of the cost of their treatmentbefore the insurer reimburses all or part their medical expenses.
The type of service, as well as the amount reimbursed, variesaccording to plan. In 2004, almost 46 million Americans had no health insurance. Spending on health care can be very high, and even the costof the most basic health insurance increases continuously. Consequently, the monthly increase as well. Employers usuallytake most health insurance expenses, but even so policyholdersare paying more and more every year.
For what you're paying exactly? Where will your monthlypayment if you do not get sick or not the doctor? What doyou do if you are not working or are self-employed? What isthe difference between the various options for existing plans?This lot of information about health plans, payment contribution, franchises is enough to make your head spin. In this article, we analyze the main types of health plans andexplain their differences.
Keep in mind that there are alwaysvariations between individual plans, but at least we will give yousome advantage in selecting the right plan for you.