Health & Medicare insurance
Click on the type of health insurance from the table below to learn about the general description for the nature of the policy. Click the type of practitioner from the list on the right to find your local provider.
|Hospital indemnity||Medicare Advantage|
Health insurance is of great importance to assure payment of medical care not only in the event of sickness, but also to provide routine examinations and treatment.
Right now, the future of private health insurance is uncertain and there are numerous proposals being worked on to assure coverage to everyone not otherwise covered.
Types of health insurance policies
Medicare supplement insurance/Medigap - Medicare is health insurance for people aged 65 and older, and under 65 for those with certain disabilities or permanent kidney failure. To qualify for insurance the person must have entered the United States legally and lived here for at least 5 years. Medicare supplement insurance can help pay some of the health care costs not covered by Original Medicare (known as Part A and Part B coverage), or "gaps" such as copayments, coinsurance and deductibles. See additional information at Medicare insurance component explanations
Medicare Advantage Plans - also known as "Part C", are run by Medicare-approved private insurance companies. These plans include Original Medicare (known as Part A and Part B coverage) and usually other coverage, such as Medicare prescription drug coverage (known as "Part D"), sometimes for an extra cost.
Other features or terminology for health insurance policies
A more detailed or comprehenisve list can be found at Health insurance policy terminolgy
Coinsurance - A provision of a medical expense insurance policy that requires the insured to pay a percentage of eligible expenses, once a deductible is satisfied, resulting from sickness or injury.
Deductible - The amount an insured must pay before the insurance policy covers any expenses.
Rehabilitation benefit - A benefit under a disability insurance policy that provides for rehabilitation services for disabled workers. The benefit may be given for medical and/or for vocational rehabilitation.