Health Insurance, What Does It Mean?
|
Your health insurance policy is an agreement between you and your insurance company. The policy lists a package of medical benefits such as tests, drugs and treatment services. The insurance company agrees to cover the cost of certain benefits listed in your policy. These are called "covered services."
Your health insurance policy also lists the kinds of services that are not covered by your insurance company. You have to pay for any uncovered medical care health insurance that you receive. Keep in mind that in case of health insurance a medical necessity is not the same as a medical benefit. A medical necessity is something that your doctor has decided is necessary. A medical benefit is something that your insurance plan has agreed to cover. In some cases, your doctor might decide that you need medical care that is not covered by your insurance policy.
Insurance companies determine what tests, drugs and services they will cover. These choices are based on their understanding of the kinds of medical care that most patients need. Your insurance company's choices may mean that the test, drug or service you need isn't covered by your policy.
Your doctor will try to be familiar with your insurance coverage so he or she can provide you with covered care. However, there are so many different insurance plans that it's not possible for your doctor to know the specific details of each plan. By understanding your insurance coverage, you can help your doctor recommend medical care that is covered in your plan.
Take the time to read your insurance policy. If you still have questions about your coverage, call your insurance company and ask a representative to explain it. Remember that your insurance company, not your doctor, makes decisions about what will be paid for and what will not.
For for information visit: http://www.healthinsurancedepth.com
You may also find informations about the below:
Health Insurance Quotes
Affordable Health Insurance
Low Cost Health Insurance
Cheap Health Insurance
Self Employed Health Insurance
Small Business Insurance
Group Health Insurance
Personal Health Insurance
Private Health Insurance
Catastrophic Health Insurance
And other useful resources for Individuals, Families, Self-employed, Small business in Arizona, Texas, Florida, California, Houston and across the 50 states of the USA.
For for information visit: http://www.healthinsurancedepth.com
Working as an Internet Resource Executive (Website Designer & SEO Expert)
Email: ariful@rediffmail.com
Web: http://www.healthinsurancedepth.com
|
|
|
Are You Overpaying On Your Home Insurance Policy?
For many consumers the cost of daily living is becoming increasingly higher. High gas prices, rising automobile costs and the cost of buying a new home can be very troublesome. The additional cost of homeowners i...(related: Insurance)
Mortgage Life Insurance
Owning a home is a dream for most of us, although it is an expensive one. The monthly payments usually take up a big slice of our monthly income, and the sudden loss in the event of you or your spouse's early death may leave your survivors unable to make payments. To make your family is protected from financial hardship, consider Pick-a-Term Mortgage Protection insurance.Pick-a-Term M...(related: Insurance)
Private Medical Insurance- Finding The Right Policy For You
Why Private Medical Insurance Is Becoming So PopularRecent research indicates that the vast majority of consumers take out private medical insurance because they are concerned about the length of waiting lists for treatment in NHS hospitals.68% of those questioned in a recent online poll, said that they wanted to receive treatment when it was needed rather than having to take their chances with the NHS waiting lists. In other words the failure of the NHS to deliver is directly responsible for the growing popularity of private medical insurance in the UK.Benefits of Private Medical Insurance Over The NHSWhereas the shortest waiting period for general surgery on the NHS is 32 weeks, those covered by private medical insurance are able to receive treatment as and when they need it, in a hospita...(related: Insurance)
Car Insurance No Claims Bonus Explained
No Claims Bonus is a term used to describe the number of years you have had Car Insurance without making a claim. Put simply, if you have had Car Insurance for 4 years and you have not made a claim in that time, then you have 4 years No Claims Bonus. No Claim Bonus is probably the single biggest factor affecting the cost of your Car Insurance premium. Every year that goes by without you making a claim is another year of No Claims Bonus.Generally speaking, the more No Claims Bonus years you have, the cheaper your premium will be for the car you need to insure. This is because Car Insurance companies can see that your history regarding making any claims is a good one.When changing provider, Car Insurance companies will usually ask ...(related: Insurance)
Discount Insurance - Get Affordable Coverage For All Your Insurance Needs
Insurance is an important part of our lives. If you are shopping for health, auto, life or home insurance you may be shocked by the dramatically rising costs of insurance coverage. No one can afford to be without insurance coverage on his or her vehicles, home, life, or health. Discount insurance carriers are the perfect way for you to obtain the insurance coverage you require at affordable prices.Discount insurance will not ...(related: Insurance)
Car Insurance Monitoring For Discounted Insurance Rates - Privacy Devouring Monster Eating Us One Bi
For a price, would you let car insurer along for the ride? -asks a USA Today technology story by Kevin Maney. It seemsthat Progressive Insurance and IBM have worked out a scheme topay drivers to be safer - by monitoring their every move intheir own cars, and how fast they make that move, and wherethey park, and what time they drive.The program is being tested in Minnesota and in the U.K. in aprivacy busting program that rewards drivers for keeping underthe maximum speed limits and driving during safer times ofday. It's an interesting twist that is compared here to ashopper reward card that monitors what you buy, althou...(related: Insurance)
Life Insurance No Medical Exam - Is It Really Possible?
Quite often you feel that an ad for life insurance no medical exam is trying to rip you off. However, it is possible to get life insurance no medical exam when you shop online for your life insurance needs. It is only a click away on a computer, but you really do need to check to see if life insurance without having to visit a m...(related: Insurance)
Long Term Care Insurance How Much Should I Buy?
Long-term care insurance policies have a variety of features and it pays to shop around. It is quite easy in the final years of your life to run up extremely large care bills which could threaten your life savings, home and your children's inheritance. Okay some people do not care about their offspring so much as is evident by looking at the bumper stickers of the deluxe Recreational Vehicle Motor Homes; "we are spending our children's inheritance!"You need to ask yourself not only; "How much long-term care insurance shoul...(related: Insurance)
Japanese Overseas Travel Insurance
If you are an expatriate planning on long-term residence in Japan you can, after a one-year stay, become a part of Japan's national health program. Until that time, however, you're going to need Japanese overseas travel insurance.Some of the Japanese overseas trav...(related: Insurance)
Converting An Unwanted Life Insurance Policy Into Ca$h
Do You Own A Life Insurance Policy That You No longer Need or Want?It is possible that you may be able to can get a CASH settlement in excess of the current cash surrender value by selling your policy in the secondary market to an investor.Reasons To "Sell&q...(related: Insurance)
Which Car Should You Own To Keep Your Insurance Rates Most Affordable?
Do you consider the cost of insurance before you buy your dream car? You should. The Highway Loss Data Institute analyzes the cost to insurance companies from theft, collision, and injury claims as they relate to cars. They look at the color of the car...(related: Insurance)
Car Insurance Online ? Benefits Of Applying For Auto Insurance Online
Drivers are applying for auto insurance online not just for the convenience of comparing quotes, but also to find the best insurance rate. The benefits also include discovering new discounts and not being locked into a long term relationship with an insurance company.Comparing QuotesBefore the internet, getting real quotes from auto insurance companies was difficult. But, now with a few clicks of a mouse, you can get instant access to insurance quotes based on the coverage you choose. Online insurance sites also allow you to look at the details of each plan, so you can compare the quality of coverage as well as the price.Finding DiscountsYou can reduce your auto insurance p...(related: Insurance)
site-map - Copyright © 2006 Insurance | All Rights Reserved. | Insurance