For covering the cost of an Individual’s
medical, surgical and diagnostic approaches in developed countries, such as the United Kingdom, Canada,
Germany and USA pave a new way called health
insurance.Most of the time an “insured”
who is the owner of the health insurance policy pays costs out-of-pocket for the
victims. Depending on the types of reimbursement
(back the money) of health insurance, policy is different. Commonly who has the
ability to feeds back the reimbursement policy gets the benefit packages.
Health Insurance
in USA:
In USA, The Govt. gives so much importance that;
their “Administration” has
introduced laws making it mandatory for everybody. They have equipped their
health insurance policy depending on eligibility like elderly, disabled people,
veterans and some others.
Types of
Affordable Health Insurance:
Broadly, there are two types of health insurance Private
health insurance and Public
(government) health insurance. Between those, 1st one type is
more popular as it gives better opportunity by giving fewer conditions for
general peoples.
Types of Plans
and Its Effects:
1. There are some special plans on health insurance. When an individual
gets health
care providers cordiality and medical facilities at lower costs, it is called Managed
care plans. As it is a restrictive plans surely cost the "insured" less.
2. When an
individual gets the doctor according to his or her needs where the doctor,
hospital or the insured can submit a claim for reimbursement immediately, it is
called Indemnity Plans. There is
a report that most indemnity plans claim to cover the vast majority of procedures.
3. Most of the time The HMO (Health Maintenance Organizations) is very helpful for the victims, who can receive care from health care professionals, laboratories and medical centers at a negotiated fee. And this type of policy has minimum cost. So, According to the majority of health insurance advisers, HMOs are usually the cheapest type of health insurance.
4. PPOs (Preferred Provider Organizations) have similarity in many ways an indemnity plan .The insured can negotiate with any doctor whenever and wherever they like. In most of the time the provider make that deals with the PPO for the service.
5. A POS (Point-of-Service
Plans) is like a hybrid of an HMO and a PPO.
Here there is an opportunity for the insured that can chose to either have a
general practitioner coordinate the victims care, or opt to go directly to the point-of-service.
6. A HSAs (Health Savings Accounts) is mainly used for aiming at bearing medical expenses for the future. Only patients of a high-deductible plan, currently have no other insurance plans are eligible, who are seeking some kind of protection or having no eligibility of carrying emergency or catastrophic healthcare cost. Most importantly it is a tax-free savings account. But problem is this savings is not available for most of the developing country.
All types of insurance plans more or less
beneficiary for the purpose of welfare of human being. Though there are some
impediment for managing these type of insurances plans in developing countries,
as most of the people getting sick very early because of poisonous foods, low
landing geographic conditions, insufficient health care systems we hope all
such kinds of opportunities initially started through private or public
entities for thinking about the welfare of human being rather interest of
money.
