Should I get a Health Insurance Plan?

That I must Buy: A Medical Insurance or a ” Plan of Health ” …?

Many confusion exists in the ” popular slang ” on since(as,like) calling him to the different options of Health that exists on the Market: ” That if Coverages of Health “, ” Plans of Health, HMO, PPO, PHC, Medical Discounts, Discount cards etc. Unfortunately some colleagues have contributed(paid) to this, as well as in addition some Companies at the moment of the advertising did of benefits that they possess; which lead the client – patient to confusing it and not to possessing an absolute truth on what it(he,she) is going to buy or for what is interested or they offer.

Of this it is clear that “to “classify” many as Discount plans of Health it is to label it as “villain” and on the contrary to say: HMO, PPO or he is Sure Doctors to identify it like “well”, And this is not so like that. It(he,she) has gray backstitchings. The thing cannot see white(target) or black, is necessary to go far beyond. Of the legal concepts. Certainly what I consider is based on my personal experience as Agent Certified in Medical Insurances and to have developed for years the direct sales with clients and this does not constitute any legal or personal recommendation. My point of view is alone to try to clarify the terminologies or concepts.

What they offer different ” Plans of Health “

First all the Companies that offer some type of Plan of Health must have a license of the State and Government to be able to practise. I think that the stage of the “madmen” of doing something of this illegal type, has been staying behind. By the way the same “risky ones” were those who gave bad(wrong) opinion, partly, to the Industry and they have given place to these classifications that everything what is Discount plans is “bad(wrong)” or does not serve. Then I do not believe that it(he,she) is extremely serious the fact that the condition(state) is considered to be defrauded by some company .Porque every day that happens(passes) it(he,she) has mas control on these activities. At least in the private Insurances of Health, because we are not speaking of State and Federal that suffer from these controls or at least “it”(he”,she”) “sounds” more in them the thefts and frauds: Medicaid, Will Medicate.

Therefore he must feel calmer because almost always in 99 % of the cases that visit it or that sell a ” Plan of Health “, it(he,she) is legal and authorized for the maximum instances(authorities). Clear what YOU are capable of investigating and asking it is his(her,your) problem, remember that not always they defraud it.. YOU are left to defraud, they are two different things. Secondly there is something that calls: Prepaid Health Clinic (PHC) that offer extremely acceptable Plans of Health and neither have category of Medical Insurance, is not even HMO or PPO, though for the same thing that we explain previously these PHC they are strictly regulated by the State and are ruled by the same laws of the HMO. In fact the own(proper) State recognizes in the in force legislation the similarity of both HMO and PHC.

Secondly there is something that calls: Prepaid Health Clinic (PHC) that offer extremely acceptable Plans of Health and neither have category of Medical Insurance, is not even HMO or PPO, though for the same thing that we explain previously these PHC they are strictly regulated by the State and are ruled by the same laws of the HMO. In fact the own(proper) State recognizes in the in force legislation the similarity of both HMO and PHC.Los PHC (something like Prepaid Clinic) they have established a difference across the nation and have turned into an option for the persons, at least into what more we know that it is the South of the Florida. In fact the big HMO, PPO and Sure Doctors they have not still had mas remedy that to reconsider his(her,your) strategies of Market and Plans seemed in prices extracted that these PHC.

Because?

For a simple reason..

The PHC that work seriously have caused “problems” reducing them “clients” The PHC are much cheaper than a HMO or traditional PPO and accept preexisting conditions of Health, between(among) other benefits. I do not say with this that they are the best option .Eso it(he,she) depends on up to where you want to spend or up to where his(her,your) pocket allows it to him(you,them), because the PHC have established a difference but they lack benefits that the HMO and PPO have, for example the Hospitalization And Medical Emergencies. I establish these comparisons, saving the distances, because unfortunately many persons refer to Prepaid Health’s Plans Clinic as Plans of Medical Discounts or Discount cards and it(he,she) is not like that: ” Al Cesar what is of the Caesar ” The Discount plans (DPMO) as his(her,your) name indicates it they are purely it: Discounts of the value that they receive(charge) from you in the services on the regular market.

The DPMO cannot for law realize payments to suppliers (Doctors, Centers of Diagnoses, Centers of Urgencies etc) Nevertheless the PHC if payments are authorized to realize to the suppliers that you visit, like the HMO. For which the difference between both (DMPO, PHC) us is logical. It is not necessary to to confuse though any activities of the PHC work as discounts, the majority of the benefits work as Prepaid (prepayment) (PHC) on having had to realize these payments to the Doctors.

Conclusions

A reality exists. We all know the costs of the Health in the USA, for nobody it is a secret they can receive(charge) you in a hospital or in a consultation without medical insurance or without anything that protects you, call since(as,like) call. What if it is illogical to think that you for the price of a car of 1998 are going to obtain the benefits of one of 2010, for example. Because of it be conscious of what has and compare his(her,your) benefits determined what it(he,she) could acquire. There does not exist the option that say to you many persons that you visit: ” I Want an Insurance that me 100 % covers “. It it is not. In all it(he,she) has copagos and deducible. To major monthly quota, almost always, less deducible or copagos and vice versa.

But in addition the prices are ruled by his(her,your) age and conditions of health. They are not the same risks for a 20-year-old person of age that one of 60, for mentioning an alone example. Consequently If his(her,your) economy gives him to pay a HMO, PPO or Medical Insurance in general and wishes a coverage including the Hospitalization and Emergencies, we recommend to him(her) to do it. The prices are not exorbitant since(as,like) it is thought. These Companies have extracted better Plans. It is the most complete possibility and they possess infinity of suppliers depending the counties or States where they cover.

If his(her,your) pocket does not give him for an individual or familiar(family) policy with these, then it(he,she) does not sit fear of the PHC, they are not Cards of Discount or Discount plans. These regulate preventively his(her,your) Health to the lowest monthly price, offering him as the Medical, elegant preventive Insurances in examinations, tests(proofs) or test. Though he(she) remembers(reminds) his(her,your) limitations in some benefits. And finally if still(yet) it(he,she) cannot pay a PHC or Prepaid, buy though it is a Discount Plan (DMPO) Discount plan. His(her,your) health cannot wait. Unfortunately there are persons who still(yet) are waiting for the Government and the reform of Health. It is possible that it(he,she) comes I do not doubt it, but it(he,she) is not going to cover the expectations for that the persons wait.