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Health Insurance


Health Insurance

There are two basic kinds of heath insurance -- Fee-for-Service and Managed Care. Most cover prescription drugs and some also offer dental coverage. Both cover a range of medical, surgical and hospital expenses.

What is a claim?
When current customers visit a doctor or hospital, the provider may submit a bill to the insurance company. Companies usually refer to this bill as a "claim" for benefits.

What’s the difference between traditional plans and plans using a PPO?

Traditional or indemnity plans tend to be more expensive because they give the same level of benefits no matter what provider is chosen Plans using a PPO (preferred provider organization) allow customers to choose any qualified doctor. And customers may have less out-of-pocket expense when using PPO doctors or hospitals in the network.

The best type of health insurance available in the market today is the Long-Term health insurance.

1. Long term insurance preserves your assets for your family instead of spending the money on long-term care.
3. Premiums may be partially tax-deductible. .



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