Family Health Insurance
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Written by Richard Roberts
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Saturday, 05 September 2009 |
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Options and Alternatives for Family Health Insurance
For family health care insurance that includes children, a policy that covers preventive care would be worth the premium paid every month. Such a plan would be inclusive of routine check-ups, immunizations, yearly screening tests, and regular physicals. That would just about take care of all the possible precautionary steps in terms of children’s health while they are growing up. In general, health insurance would include the usual medical expenses such as hospital fees, emergency room fees, doctor’s fees, and the cost of medicines.
Some policies to look for in family health care insurance are the HMO, the PPO, the POS, and the FFS. HMO’s and PPO’s are managed health care plans. These provide medical and health care services to members. But while an HMO member can only avail of insurance claims while getting services from a network of Health Maintenance Organizations (HMO), PPO plans are different in that it includes out-of-network doctors in its coverage. PPO is an acronym for Preferred Provider Organization. It is the popular choice in family health care insurance for its flexibility, affordability, and comprehensiveness of coverage.
The POS or Point of Service Plan gives the insured the freedom to choose his primary physician just as in an HMO plan, but also allows him the services of doctors outside the network just as in a PPO plan. It therefore combines the essentials of the two plans. The Fee-For-Service or FFS is not one of the managed health care plans. It gives the insured the freedom to choose doctors and hospitals, and lets them pay for these services and then reimburses these expenses upon filing the claims. For this freedom and flexibility a higher fee is paid.
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Last Updated ( Saturday, 05 September 2009 )
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Family Health Plans New edition
