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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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Ohio Individual Health Insurance News
Democrats plan quick vote to renew kids' health plan - Columbus Dispatch
WASHINGTON -- House Democrats plan to give President-elect Barack Obama an early victory on children's health care next week. Leaders say they are scheduling a vote on renewing a popular health-insurance program for children. Unless Congress acts ...
Read more...Five economists analyze recession, predict what Ohio still faces - Columbus Dispatch
A hot dog and papaya shop in Manhattan's Fashion District offers a bit of recession relief. It has been a year of economic turmoil, one filled with bank and auto bailouts, massive numbers of home foreclosures, rising unemployment and a credit crunch ...
Read more...UT announces football season ticket prices - Nashville Tennessean
KNOXVILLE – Tennessee football season ticket prices for standard seats in 2009 will be $360 for eight home games, the university announced Wednesday. They are broken down as follows: UCLA ($50), Auburn ($50), Georgia ($50), South Carolina ($50 ...
Read more...Tennessee football ticket prices won't increase - Leaf Chronicle
KNOXVILLE, Tenn. (AP) — Prices for Tennessee football tickets will remain roughly the same for the 2009 season. "Although tuition for student-athletes, health insurance and other operational costs have continued to rise for the athletics department ...
Read more...UT will not raise football ticket prices in 2009 - WBIR
The University of Tennessee Athletics Department announced Wednesday that per game football ticket prices will remain the same for the 2009 season. "Although tuition for student-athletes, health insurance and other operational costs have continued to ...
Read more...Latest buzz for beekeepers: crop insurance - Cincinnati.com
BISMARCK, N.D. - The buzz in the honeybee industry these days is about crop insurance - now available to beekeepers for the first time. Some say the new program is expensive and amounts to betting on the weather. Others say it's better than having no ...
Read more...Read the whole thing - New York Daily News
The governor's office has (finally) put out a transcript of the State of the State speech, which is significantly different than the prepared text . Enjoy. "Good afternoon to all my colleagues in government, to all the elected officials of the state ...
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