Health insurance is just a word to describe the form of insurance that helps us pay the medical expenses it includes mostly the insurance for disability or long-term nursing or custodial care needs... it can be purchased on a group basis or as a individual customer. The US health care systems mostly relies on private and non-for profit insurance which covers most of the Americans. Approximately 84 %of Americans have health insurance, 60 % obtain through an employer, and 7% obtain it directly.
The primary source of coverage for seniors and for low-income children is through public programs
Medicare
In the United States, Medicare provides health insurance for elderly employers and their dependents. It also provides health insurance for those who are temporarily or permanently disabled and also for end stage renal disease patients.. Recent research suggest that previously uninsured adults with chronic problems, improves once they enter this Medicare problem
Medicare expands the health care options for all beneficiaries.
Medicaid
Medicaid is especially for the very poor person... percentage of US residents who lack any health insurance has increased since 1994..Also the number of physicians accepting Medicaid also reduced in the recent times due to high costs and low reimbursements
State Childrens Health Insurance Program (SCHIP)
SCHIP is a joint state/federal program to provide health insurance to children in families who earn too much money to qualify for Medicaid, yet cannot afford to buy private insurance
Military Health Benefits
These are provided for active duty service members, retired service members and their dependents... it is provided by the department of military health system
Federal employees health benefit plan (FEHBP)
In addition to Medicare and Medicaid, this plan benefits the health benefit plan for federal employees
Types Of medical insurances:
1. Traditional indemnity or free for service
2. Blue cross & Blue shield plans
3. Health Maintenance Organizations
4. Managed care
Types of Non-medical insurances:
1. Disability income insurance
2. Long-term care insurance
Supplementary coverage:
Private Insurers offer various supplementary coverage in both group and individual markets... They aim at helping in unexpected expenses and to provide additional peace in the mind of insurers
They are mainly intended to:
1. Supplement a primary medical expense plan by paying for expenses that are excluded or subject to the primary plans cost-sharing requirements
2. Cover expenses like vision and dental care
3. Assist additional expenses that are associated with illness or injury
source:Ezinarticles
The primary source of coverage for seniors and for low-income children is through public programs
Medicare
In the United States, Medicare provides health insurance for elderly employers and their dependents. It also provides health insurance for those who are temporarily or permanently disabled and also for end stage renal disease patients.. Recent research suggest that previously uninsured adults with chronic problems, improves once they enter this Medicare problem
Medicare expands the health care options for all beneficiaries.
Medicaid
Medicaid is especially for the very poor person... percentage of US residents who lack any health insurance has increased since 1994..Also the number of physicians accepting Medicaid also reduced in the recent times due to high costs and low reimbursements
State Childrens Health Insurance Program (SCHIP)
SCHIP is a joint state/federal program to provide health insurance to children in families who earn too much money to qualify for Medicaid, yet cannot afford to buy private insurance
Military Health Benefits
These are provided for active duty service members, retired service members and their dependents... it is provided by the department of military health system
Federal employees health benefit plan (FEHBP)
In addition to Medicare and Medicaid, this plan benefits the health benefit plan for federal employees
Types Of medical insurances:
1. Traditional indemnity or free for service
2. Blue cross & Blue shield plans
3. Health Maintenance Organizations
4. Managed care
Types of Non-medical insurances:
1. Disability income insurance
2. Long-term care insurance
Supplementary coverage:
Private Insurers offer various supplementary coverage in both group and individual markets... They aim at helping in unexpected expenses and to provide additional peace in the mind of insurers
They are mainly intended to:
1. Supplement a primary medical expense plan by paying for expenses that are excluded or subject to the primary plans cost-sharing requirements
2. Cover expenses like vision and dental care
3. Assist additional expenses that are associated with illness or injury
source:Ezinarticles
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