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ÿþW h i c h W a y t o G o : G u i d e t o O b t a i n a n I n d i v i d u a l H e a l t h I n s u r a n c e i n T e x a s < b r > < b r >
from:T e x a s i s t h e l a n d w h e r e o n e o f t h e p r o m i n e n t m e d i c a l c e n t e r s i n t h e w o r l d c a n b e f o u n d . T h e T e x a s M e d i c a l C e n t e r i s t h e h o u s e o f s i g n i f i c a n t r e s e a r c h a n d h e a l t h c a r e i n s t i t u t i o n s . < b r > < b r >
W i t h T e x a s h a v i n g r e n o w n e d h e a l t h c a r e i n s t i t u t i o n s , h e a l t h i n s u r a n c e c o m p a n i e s s p r u n g l i k e m u s h r o o m s . E v e r y c o m p a n y a i m s t o s e l l d i f f e r e n t k i n d s o f i n s u r a n c e t o T e x a n s . I n d i v i d u a l h e a l t h i n s u r a n c e h a s b e e n a c o m m o n p r o c u r e m e n t . < b r > < b r >
H e a l t h i n s u r a n c e c o m p a n i e s i n T e x a s a r e c a t e g o r i z e d i n t o t w o m a j o r c o m p o n e n t s : ( 1 ) F e e - f o r - S e r v i c e a n d ( 2 ) M a n a g e d C a r e H e a l t h P l a n s . < b r > < b r >
F e e - f o r - S e r v i c e < b r > < b r >
F e e - f o r - s e r v i c e i s c o n s i d e r e d a c o n v e n t i o n a l w a y o f o b t a i n i n g h e a l t h i n s u r a n c e p l a n s . Y o u w i l l b e t h e o n e w h o w i l l p a y f o r a n y u p f r o n t c h a r g e s y o u h a v e i n c u r r e d d u r i n g a n y p h y s i c i a n c o n s u l t a t i o n a n d t r e a t m e n t , h o s p i t a l v i s i t s a n d o t h e r r e l a t e d h e a l t h s e r v i c e s . < b r > < b r >
Y o u a c h i e v e f l e x i b i l i t y o n c e y o u d e c i d e t o g o w i t h f e e - f o r - s e r v i c e p l a n . Y o u h a v e t h e r i g h t t o d e c i d e t h e p h y s i c i a n a n d h e a l t h c a r e p r o v i d e r s t h a t w i l l t a k e c a r e o f y o u r h e a l t h a n d m e d i c a l n e e d s . < b r > < b r >
T h e d r a w b a c k u n d e r f e e - f o r - s e r v i c e p l a n i s t h a t y o u w i l l h a v e t o s e p a r a t e l y p a y e a c h h e a l t h s e c t i o n y o u h a v e u n d e r g o n e . F o r i n s t a n c e , y o u w i l l n e e d t o s e e t h r e e i n d e p e n d e n t s p e c i a l i s t s , a n d t h e n y o u h a v e t o d i s b u r s e s e p a r a t e p a y m e n t s f o r e a c h s p e c i a l i s t . B y d o i n g s o , y o u a r e m o r e l i k e l y t o w a s t e a l o t o f t i m e a n d e f f o r t s i n c e y o u a r e t h e o n e w h o p e r s o n a l l y m a n a g e y o u r m e d i c a l f i n a n c e s . < b r > < b r >
T h e r e a r e s o m e i n d i v i d u a l s w h o f i n d f e e - f o r - s e r v i c e p l a n m o r e c o s t l y c o m p a r e d t o m a n a g e d c a r e h e a l t h p l a n . O t h e r s c o m p l a i n o f h i g h e r p r e m i u m p a y m e n t . M o r e o v e r , y o u a n d y o u r i n s u r a n c e c o m p a n y w i l l b e b o t h e r e d b y t o n s o f p a p e r w o r k s t o a c c o m p l i s h . < b r > < b r >
M a n a g e d C a r e H e a l t h P l a n s < b r > < b r >
M o s t o f y o u r h e a l t h s e r v i c e s a n d m e d i c a l f i n a n c e s a r e b e i n g a d m i n i s t e r e d b y a m a n a g e d c a r e h e a l t h p l a n . T h e m a n a g e d c a r e h e a l t h p l a n h a s p o o l o f h e a l t h c a r e p r o v i d e r s a n d u n i t s f o r y o u t o s e l e c t f r o m . < b r > < b r >
T h i s t y p e o f h e a l t h p l a n i s c o m p o s e d o f t h r e e m a j o r c o m p o n e n t s : < b r > < b r >
1 . 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 o r H M O < b r > < b r >
2 . 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 o r P P O < b r > < b r >
3 . P o i n t - o f - S e r v i c e ( P O S ) P l a n < b r > < b r >
T h e e d g e o f m a n a g e d c a r e h e a l t h p l a n o v e r f e e - f o r - s e r v i c e i s h o w y o u r h e a l t h s e r v i c e s a n d m e d i c a l f i n a n c e s a r e b e i n g s u p e r v i s e d a n d d e a l t w i t h . H e n c e , i t w i l l b e l e s s t r o u b l e s o m e o n y o u r p a r t . < b r > < b r >
H o w e v e r , m a n a g e d c a r e h e a l t h p l a n a l s o p o s e s s o m e d i s a d v a n t a g e s . O n e i m p o r t a n t f a c t o r i s y o u r r e s t r i c t i o n t o c h o o s e y o u r o w n p h y s i c i a n 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 . A l t h o u g h y o u s t i l l h a v e a n o p t i o n t o c h o o s e y o u o w n o n s o m e c o m p o n e n t s u n d e r m a n a g e d c a r e h e a l t h p l a n b u t y o u w i l l h a v e t o p a y a h i g h e r p r i c e f o r t h a t . < b r > < b r >
L a t e l y , t h e r e h a s a l s o b e e n a d e b a t e a b o u t m a n a g e d c a r e h e a l t h p l a n s . T h e r e w e r e m e d i c a l s u r v e y s w h i c h p o i n t s o u t t h a t d u e t o i t s a f f o r d a b i l i t y , s o m e m a n a g e d c a r e h e a l t h c o m p a n i e s d o n o t m e e t t h e r e q u i r e d s t a n d a r d o n g i v i n g i t s c o n s u m e r s t h e b e s t h e a l t h c o n s u l t a t i o n a n d t r e a t m e n t . < b r > < b r >
Y o u h a v e t w o o p t i o n s f e e - f o r - s e r v i c e o r m a n a g e d c a r e h e a l t h p l a n a l l y o u n e e d t o d o i s w e i g h t h e p r o s a n d c o n s e a c h p l a n w i l l b r i n g i n t o y o u r l i f e . Y o u r h e a l t h i n s u r a n c e c o m p a n y c a n g i v e d e t a i l e d i n f o r m a t i o n o n y o u r p r e f e r r e d o p t i o n . A d d i t i o n a l l y , y o u m a y a l s o s e e k t h e a d v i c e o f y o u r c l o s e f r i e n d s o r r e l a t i v e s w h o h a v e p u r c h a s e d a n i n d i v i d u a l h e a l t h i n s u r a n c e . B e f o r e y o u a r r i v e a t a f i n a l d e c i s i o n y o u m a y c o n s i d e r s o m e t h i n g s s u c h a s : < b r > < b r >
" F i n a n c e s
" L i f e s t y l e
" H e a l t h a n d M e d i c a l c o n d i t i o n
Y o u a r e i n a p l a c e w h e r e y o u c a n g e t u t m o s t h e a l t h a n d m e d i c a l a t t e n t i o n ; a l l y o u n e e d t o d o i s c h o o s e w h i c h s u i t s y o u w e l l . < b r > < b r >
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New York Individual Health Insurance News
New York May Require Longer Coverage for Family Health Plans - Bloomberg
 New York Times | New York May Require Longer Coverage for Family Health Plans Bloomberg - New York, with a total population of 19.3 million, has 2.5 million people without health insurance. About 31 percent, or 775000, of those are 19 to 29 years ... Paterson Would Insure Dependents Up to Age 29 Paterson: Show 'courage' in tackling budget crisis Governor proposes health coverage for adult children |
New York businesses to feel pain of proposed health insurance bill ... - IFAwebnews.com
New York businesses to feel pain of proposed health insurance bill ... IFAwebnews.com, MD - Dr. Sury Anand, president and CEO of New York, NY-based Atlantis Health Plan, said from an insurance standpoint, the demographic of 19- to 29-year-olds, ... Governor's health-care proposal leaves some skeptical Gov Wants Extended Health Coverage for Ages 19 - 29 Gov. Proposes Dependent Health Insurance Through Age 29 |
Three Roadblocks on the Road to Health Reform - American Enterprise Institute
 Fresh News | Three Roadblocks on the Road to Health Reform American Enterprise Institute, DC - In 2008, Mississippi got the highest matching rate, 76 percent, while 13 of the wealthiest states--such as New York and Connecticut--received the minimum ... What Medicaid Tells Us About Government Health Care Several Recent Editorials, Opinion Pieces Discuss Economic ... Health Care Marketplace | Health Care Spending in 2007 Increased ... |
Keep doctors from disappearing - Newsday
 New York Times | Keep doctors from disappearing Newsday, NY - ... insurance and the expenses of running a practice have risen considerably, especially in our area, reimbursement rates from New York area health plans ... EDITORIAL: Improved health care |
Governor Proposes More Access To Health Insurance - WKBW-TV
 NECN | Governor Proposes More Access To Health Insurance WKBW-TV, NY - It also makes money for the health insurance companies. Blue Cross Blue Shield of Western New York thinks the idea is good, but wants to see the details of ... Healthbase Collaborates with WellPoint to Bring Affordable Medical ... |
Health Care Delivered as It Should Be - New York Times
Health Care Delivered as It Should Be New York Times, United States - Next came a review of everyone who had been expected that day at the center on Allerton Avenue — one of seven run by CCM in the New York metropolitan area ... |
A bailout for Medicaid? - Albany Times Union
A bailout for Medicaid? Albany Times Union, NY - By law, New York must have a balanced budget. So the Medicaid insurance program, which is a large part of New York's budget, is a likely place to cut. ... Paterson's plans include health care Governor Delivers Grim State of the State; HANYS Urges Member ... |