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’žM a n a g e d H e a l t h C a r e : A n A l t e r n a t i v e H e a l t h P l a n I n s u r a n c e f o r I n d i v i d u a l s
from:M i s h a p s c a n h a p p e n a n y t i m e , a n y w h e r e . < b r > < b r >
I t c a n o c c u r e v e n t o t h e w e a l t h i e s t p e o p l e n o t o n l y t h e p e n n i l e s s . I t d o e s n o t s e l e c t o n l y t h e f r a i l a n d r a g g e d , e v e n t h e h e a l t h i e s t i n d i v i d u a l s c a n e n c o u n t e r a n u n e v e n t f u l c i r c u m s t a n c e i n t h e i r l i v e s . < b r > < b r >
U n c e r t a i n t y i s a f a c t o f l i f e . S i n c e y o u a r e f a c e d w i t h u n c e r t a i n t i e s i n y o u r d a i l y l i f e , i t i s b e s t t o b e p r e p a r e d a t a l l t i m e s . < b r > < b r >
Y o u n e e d t o e q u i p y o u r s e l f w i t h a h e a l t h i n s u r a n c e . N o w a d a y s , i f y o u w a n t t o h a v e y o u r o w n a n d e x c l u s i v e h e a l t h i n s u r a n c e , y o u c a n d o s o w i t h a h e a l t h i n s u r a n c e f o r i n d i v i d u a l s . < b r > < b r >
A m o n g s t t h e d i f f e r e n t h e a l t h i n s u r a n c e p l a n s f o r i n d i v i d u a l s , m o r e a n d m o r e p e o p l e a r e g o i n g w i t h a M a n a g e d H e a l t h C a r e P l a n . < b r > < b r >
A m a n a g e d h e a l t h c a r e p l a n i s a n a p p r o a c h w h e r e i n s u r e r s f i n a n c e s a n d h e a l t h s e r v i c e s a r e b e i n g t a k e n c a r e d t h r o u g h a p a r t i c u l a r h e a l t h c a r e p l a n c h o s e n b y t h e m e m b e r . M a n a g e d h e a l t h c a r e p l a n i s d e s i g n e d t o a c h i e v e t h e f o l l o w i n g o b j e c t i v e s : < b r > < b r >
1 . T o l e s s e n y o u r m e d i c a l c o s t s b u t e n s u r i n g g o o d - q u a l i t y h e a l t h s e r v i c e s . < b r > < b r >
2 . T o p r o v i d e d i f f e r e n t o p t i o n s w i t h t h e m e m b e r s w i t h r e g a r d s t o t h e i r h e a l t h c o n c e r n s . < b r > < b r >
P a r t i c u l a r h o s p i t a l s , d o c t o r s , a n d o t h e r h e a l t h c a r e p r o v i d e r s a r e b e i n g c o o r d i n a t e d w i t h m a n a g e d h e a l t h c a r e p l a n s . T h i s i s b e i n g d o n e t o h e l p a l l e v i a t e t h e a m o u n t o f m o n e y b e i n g d i s b u r s e d b y t h e m e m b e r s . < b r > < b r >
T h e r e a r e t h r e e m a j o r p l a n s u n d e r t h e u m b r e l l a o f m a n a g e d h e a l t h c a r e p l a n s . < b r > < b r >
P r e f e r r e d P r o v i d e r O r g a n i z a t i o n s ( P P O ) < b r > < b r >
H o s p i t a l s , d o c t o r s a n d o t h e r h e a l t h c a r e p r o v i d e r s a g r e e t h a t m e m b e r s p a y r e d u c e d f e e s f o r t h e s e r v i c e s t h e y a r e o f f e r i n g . < b r > < b r >
O n e g o o d a d v a n t a g e o f e n r o l l i n g y o u r s e l f w i t h a P P O i s t h a t t h e r e i s n o r e f e r r a l r e s t r i c t i o n c o m p a r e d t o o t h e r h e a l t h p l a n s . I t m e a n s t h a t y o u c a n s e e a n y p h y s i c i a n w i t h o u t s e c u r i n g a r e f e r r a l f r o m t h e n e t w o r k . H e n c e , i t i s t r o u b l e - f r e e o n y o u r p a r t . < b r > < b r >
H e a l t h M a i n t e n a n c e O r g a n i z a t i o n s ( H M O ) < b r > < b r >
I t i s b e l i e v e d t h a t H M O i s o n e o f t h e o l d e s t t y p e s o f m a n a g e d h e a l t h c a r e p l a n . T h e o r g a n i z a t i o n w i l l c o n t a c t w i t h a g r o u p o f d o c t o r s a n d o t h e r h e a l t h c a r e p r o v i d e r s t o f o r m a n e t w o r k . T h e f o r m e d g r o u p i s t h e o n e t o a t t e n d t o t h e m e m b e r s m e d i c a l n e e d s a n d h e a l t h s e r v i c e s . < b r > < b r >
Y o u a r e l i m i t e d t o s e e p h y s i c i a n s o r h e a l t h c a r e p r o v i d e r s w i t h i n t h e n e t w o r k s o t h a t t h e o r g a n i z a t i o n p a y s f o r t h e h e a l t h a n d m e d i c a l s e r v i c e s y o u a t t a i n e d . O t h e r w i s e , y o u d o l e o u t m o n e y i f y o u h a v e s e l e c t e d a p h y s i c i a n o u t s i d e o f t h e n e t w o r k . < b r > < b r >
P o i n t - o f - S e r v i c e ( P O S ) P l a n s < b r > < b r >
F r e e d o m o f c h o i c e t h i s i s w h a t P O S c a n d o f o r y o u . P o i n t - o f - s e r v i c e i s a m i x t u r e o f H M O a n d P P O . Y o u h a v e t h e o p t i o n t o s e l e c t w h i c h s u i t s y o u r i m m e d i a t e h e a l t h n e e d . < b r > < b r >
S i m i l a r t o H M O a n d P P O , P O S f o r m s a g r o u p o f d o c t o r s a n d h e a l t h c a r e p r o v i d e r s t o a t t e n d t o y o u r m e d i c a l n e e d s . H o w e v e r y o u h a v e t h e o p t i o n w h e t h e r o r n o t t o c h o o s e a p h y s i c i a n w i t h i n t h e n e t w o r k . I f y o u s e e k t o c o n s u l t w i t h a p h y s i c i a n o u t o f t h e n e t w o r k , P O S w i l l s h a r e w i t h y o u r m e d i c a l e x p e n s e s . H o w e v e r e x p e c t t o h a v e h i g h p a y m e n t s f o r c o i n s u r a n c e a n d d e d u c t i b l e s . < b r > < b r >
D o n t l e t a c a t a s t r o p h e r u i n y o u r l i f e . T h e r e m a y b e i n s t a n c e s t h a t i t c a n n o t b e p r e v e n t e d s i n c e n a t u r e h a s c o n t r o l o v e r i t b u t y o u c a n d o s o m e t h i n g a b o u t i t a f t e r i t h a s c r a s h e d i n t o y o u r l i f e . E q u i p p i n g y o u r s e l f w i t h o n e o f t h e t y p e s o f m a n a g e d h e a l t h c a r e p l a n e n s u r e s u t m o s t h e a l t h a t t e n t i o n a n d t r e a t m e n t w h e n y o u m o s t n e e d i t . M o r e o v e r , y o u n e e d n o t w o r r y o f w h o t a k e s c a r e o f y o u r m e d i c a l f i n a n c e s a n d s e r v i c e s m a n a g e d h e a l t h c a r e p l a n w i l l d o i t a l l f o r y o u . < b r > < b r >
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US health care overhaul needn't break bank: study - Reuters
 Voice of America | US health care overhaul needn't break bank: study Reuters - Some 46 million Americans, or about 15 percent of the population, have no health insurance. While Americans pay more per person for care than any other ... Video: Ted Kennedy Speaks To CBS News Cuddly Welcome for Mr. Daschle Favoring universal health care |
High stakes in health battle - Boston Globe
 SmartAboutHealth | High stakes in health battle Boston Globe, United States - ... Shield of Massachusetts over the reimbursement rate for doctors at the hospital is Exhibit B of the dysfunction of the state's health insurance system. ... Blue Cross Blue Shield: A Lack of Coverage Online Blue Shield to restore coverage for dropped Californians Blue Cross Blue Shield Wins Award For World Class Customer ... |
Employees Need Health Insurance, Not Cash - The Star-Ledger - NJ.com
 The Star-Ledger - NJ.com | Employees Need Health Insurance, Not Cash The Star-Ledger - NJ.com, NJ - Without the buying power of the company behind them, employees will wind up paying more for individual health coverage than their employers would have paid ... City gives raises in exchange for less costly health insurance How Will Health Care Reform Impact the Employer-Based System? Companies, workers should cooperate to lower costs |
Ruling removes billing headache from emergency room visits - Los Angeles Times
Ruling removes billing headache from emergency room visits Los Angeles Times, CA - Much work is ahead for the DMHC and the Department of Insurance, which also supervises health insurance, said Bryan Liang, executive director of the ... Calif court protects ER patients from doctor bills Court rules ER doctors can't rebill patients State Supreme Court backs ER patients over billing |
Three Roadblocks on the Road to Health Reform - American Enterprise Institute
 E Canada Now | Three Roadblocks on the Road to Health Reform American Enterprise Institute, DC - Private health insurance, Medicare, and Medicaid, as currently configured, are obstacles to reform. If we want real reform, we have to change the open-ended ... Minnesota nursing homes to seek more aid So What if the Government Pays for Most Long-Term Care? 2007 Data ... Loss of your job doesn't equal a lack of health care options |
Maryland Health Insurance Plan cuts premiums - Bizjournals.com
 VietNamNet Bridge | Maryland Health Insurance Plan cuts premiums Bizjournals.com, NC - The Maryland Health Insurance Plan said Wednesday it will offer reduced premiums for individuals and families with limited income. ... Mandated Health Insurance-Why The Conservatives Have It Exactly Wrong Affordable Short Term Health Insurance May Be The Best Bet For ... A look at the new health insurance law |
Nearly 11 million Americans Have Individual Health Insurance Policies - HealthNewsDigest.com
 HealthNewsDigest.com | Nearly 11 million Americans Have Individual Health Insurance Policies HealthNewsDigest.com, NY - By Agency for Healthcare Research and Quality (HealthNewsDigest.com) - About 10.9 million Americans under age 65 purchased individual health insurance ... |