Health Insurance
What did we learn this week?
Summarize in 10-15 sentences what you learned about health and health insurance?
The Best ones will be published on the main blog under their owners' names.
Ji-young said...
In the U.S, health insurance is provided by private companies not the government, so you need to figure out which one would be best for you. In addition, you should be careful not to be fooled by wily insurance companies. However, since no body can be sure he would stay healthy in his whole life, we need to insure ourselves against unexpected emergencies, though it seems very costly. Here again, we need to choose between lower-cost-but less coverage and higher-cost but more-coverage. Basically it depends on your budget and health condition.
Diana said...
It is important for everybody to have insurance to avoid unexpected financial burden. During this week, we learned important and common concepts of health insurance policy. Knowing the meaning of the related words, we can negotiate with the insurance company or at least avoid being taken to the cleaner by them and understand our rights. Also, we learned the different types of insurances, and now, we can choose the insurance policy that more adjusts with our needs.
posted by Fahtima at 6:26 AM
7 Comments:
In the U.S, health eninsurance is provided by private company, not the government so you need to figure out which one would be best for you. In addition, you should be careful not to be fooled by wily insurance companies.
However, since no body can be sure he would stay health in his whole life, we need to insure against unexpected emergency payment, though 'that insurance' seems too much. Here again, we need to choose between lower-cost-but-less coverage and higher-cost-but-more-coverage. Basically it depends on your budget and health condition.
It is important for everybody to be insurance to avoid unexpected spends. During this week, we learned the most important and common concepts to understand a health insurance policy. Knowing the meaning of these words, we can negotiate with the insurance company or at least avoid that they take us to the cleaner and understand our rights. Also, we learned the different types of insurances, and now, we can choose the insurance policy that more adjusts to our needs.
What is the best bet?
The best bet is to have you and your family cover in case you need medical assistance.
The best health insurance is the plan works best for your needs and your budget. For each family, the needs are differents. You have to consider not only the cost even the coverage.
The three main plans are:
1.- Fee-For-Service
2.- HMOs (Health Maintenance Organizations)
3.- PPOs (Preferred Provider Organizations).
You have to study carefully the plans and their benefits to figure out the one's you need.
A Health Insurance Plan was suposed to be something very easy and simple to everbody. But if you was thinking like that, you are totaly wrong. We have to be very clever consumers and be attentive for the tricks from this kind of bussiness.
When you decide getting a Health Insurance, be sure that you have been chosen an adequate plan for yourself or your family. There are many types of plans in the market such as: Fee for Service Plans, Health Maintenance Organization(HMOs)and Preferred Provider Organizations(PPOs). If you have to chose one of them, you should to combine your necessity or your age. Sometimes we have to pay a low cost for having a not good coverage and on the others hands you can save more money if you are healthy. But sometimes you have to pay high costs and you can have a very good coverage when frequently you and your family go to the phisician.
In my opinion we should combine differents plans and personal interests. HMOs, probably can be a good solution to get rid of from burocracy and waste time with claims. This not very expensive like PPOs and you can enjoy a fair list of doctors and hospitals getting a lower cost too.
Many people say that health is most important in life. Because of they provide health insurance when they need the doctors and hospitals. It has many advantages to use health insurance. It should be considered when you make a decision on an insurance. Above all, compare each health insurance plan. Second, finding the best in all coverage. Also, think about more considered and read small letter carefully before contact. Finally, don't sign anything before you understand. By the way, why don't have in the US the whole citizen health insurance institution.
In the U.A,it is very important to have health insurence.Because the cost of the doctor and hospital is very expencive.
We learned in class how we can get a helalth insurance,there is tree way:job,individual,government(medicare).
When we buy a insurence we have to choose the one is appropriated for are pocket.
Some insurance their is a low coast,but they don't have alot coverage,the others insurance the are ex pencive and had more covarege.
It is necessary for everyone to have health insurance. Health insurance can protect you from the risk of paying to much at once when you have an accident, injury or illneses. If you do not have health insurance you may not able to pay an expensive service, but choosing between health plans is not easy , there are some plans that will be better than other for your family. Some plans offer how much you going to pay per month and how easy or difficult it is to get the services you need. Some plans cover more services and some plans only few number of services. Plans change from year to year. Therefore you should carefully consider each plan. If you do not have health insurance you will have to go an emergency room when you were very sick, the hospital will bill afterward and will pay the installment amount that you can until you pay it off.
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