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Understanding Health Insurance
Health insurance is an important and sometimes confusing purchase for you and your family, and many people are overwhelmed and annoyed with the process.
To fully understand the process, it is important to know where to get coverage, figure out the different types of health insurance plans, know what is covered, and how it works. Once you have that information, you’ll have the knowledge to make an informed decision about the right health plan for you.
What is Health Insurance?
Health insurance is a type of insurance coverage that pays for all or part of a person’s medical and surgical expenses. Health insurance can reimburse the insured for expenses incurred from illness or injury, or the insurer makes payments directly to the provider.
The main purpose of health insurance is to help people who can’t afford to pay their medical care bills out of their own pockets.
What Type of Insurance Do I Need?
There are multiple types of health insurance plans that vary depending on what’s covered, what’s not, and how much things cost. Figuring out which one is right for you is important to get the most benefits at the least cost.
Here’s a brief review of the three most common types of health insurance plans:
Consumer-Driven Health Plan (CDHP)
Consumer-Driven Health Plan lets you save a certain amount of money in a special health insurance savings account. It allows you to budget your own health care spending, which means you are in charge of how you use this money to cover your health care costs. On the other hand, the deductible you have to reach is usually higher than in the other types of plans.
Indemnity Health Insurance Plans
Indemnity Health Insurance Plans are also called ‘fee-for-service’ or ‘reimbursement plans’. It allows you to see any doctor you want at any time you want. After you pay the doctor directly, you can send your claim to your insurance company and your insurance company then pays a set portion of the total charges.
However, Indemnity health insurance plans normally don’t pay for preventive care like annual physical exams. The monthly premium is usually higher than other types of health plans since they offer you the most choice.
Managed Care Plans
Managed care plans are a type of health insurance where a health insurance company negotiates a contract with certain health care providers, such as hospitals, and labs to provide care for its members at a lower cost.
About California Insurance Finder
California Insurance Finder Plans offers Covered CA insurance exchange plans, and we help you to find affordable health insurance. It is important to find an insurance broker now who will guide you through the insurance selection process and educate you on the variety of health insurance options available to you. Our healthcare insurance plans includes PPO & HMO health plans, group medical insurance, employee benefits, life insurance, Medicare supplement insurance, Medicare Advantage and long term care plans for individuals, families, business groups and seniors. California Exchange Plans provides the best customer service available – we do the work for you to ensure you make the right choice. Huntington Beach, Orange County California.
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