Monday, February 11, 2008

Where to Find Inexpensive Individual Health Care Plans

There are all sorts of plans for health care in the market today as a full range of medical plans, management plans for health care, and a large number of specialized programs. This article explains how to set up a costly plan that meets your needs.

What kind of health care programmes are there?

Plans health care are covered under two categories - comprehensive plans that you have all the special medical needs and plans, for the sole purpose of illness or situation. Here is a breakdown of the most popular programs:


Plans to pay for your doctor visits, drugs, hospital and related medical costs, such as X-rays and laboratory tests. There are two types of comprehensive plans:

1 Fee-for-service plans (plans of compensation) - These are the traditional plans, you pay a monthly premium and your insurance pays a percentage of health care costs (typically 80%) after have to pay a share. These plans can be your own health care providers and, therefore, they are the most expensive plans.

2nd plans Managed Health Care (HMOs, PPOs, POSs) - With these plans, you pay a monthly premium, or as remuneration for services, and for a group of doctors, hospitals and specialists. You can pay a little extra for each doctor visit (usually up to 10 $ 5 $), and that your insurer will pay your medical expenses. It is the cheapest of the comprehensive plan.

Special plans

Special plans are available for people who want to pay the high cost for a comprehensive plan, or will not cover, for the sole purpose of illness or situation. These plans include:

* Major medical plans - plans pay for hospital care and operating costs for major diseases such as cancer or cardiovascular disease. You pay for doctor visits and prescription drugs and your insurance company pays for medical care the most important and effort. These plans have provided a high and low monthly premiums.

* Specified plans of the disease - These plans pay only for medical expenses, as part of a disease such as cancer, myocardial infarction, or AIDS.

* Only Accident plans - plans to pay medical costs in the context of an accident, and does not cover illnesses or diseases.

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