Missouri City Health Plan

 

 

Missouri City Health Plan

Medical/surgical. This part of a traditional Missouri City Health Plan covers the expenses costs of a medical care other than the bill from the hospital. Services such as doctor visits, treatment charges, etc., are covered here. Medical/surgical usually has a deductible and requires copayments by the insured (payments you make for charges not covered by the insurance), typically 20 percent of the doctor’s fee.

Catastrophic or major medical. There are usually Missouri City Health Plan maximum payments that hospitalization and medical/surgical plans will pay, after which the well runs dry. Unfortunately, these maximums may not be sufficient to pay for all of the care required if a major illness or injury should strike, since such afflictions can eat up hundreds of thousands or even millions of dollars’ worth of health services. Thus, catastrophic coverage adds to your umbrella of protection in an amount sufficient to protect you from the horrendous expenses of such serious and prolonged illnesses. These policies also fill in some of the gaps not covered by a Missouri City Health Plan or medical/surgical.

Health Maintenance Organizations

The health maintenance organization (HMO) is relatively new player in the health insurance game, although it has been around in a limited fashion since the 1930s. The idea behind an HMO is to pay one premium and receive all of your Missouri City Health Plan at no or a nominal additional cost. The point is to save money compared to traditional health plans that cost more to purchase and require more out-of-pocket payments from the insured. What you, the insured, give in exchange for reduced costs is a substantial loss of your freedom to choose who will take care of your Missouri City Health Plan HMOs will be considered in Chapter 16.

Preferred Provider Organizations

Preferred provider organizations (PPOs) seek to give both the benefits of traditional health plans and the money savings of HMOs. They do this by paying higher benefits as a reward for your using the doctors or hospitals they preselect for that purpose. PPOs will also be discussed in Chapter 16.

Disability Insurance

Disability insurance does not pay for health care; rather it pays for lost wages caused by a disabling injury or illness. Disability insurance will be detailed in Chapter 18.

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