Individual Health Insurance or Group Health Insurance - Do You Know The Difference?
- Date: 2007-12-07 - Word Count: 410
Share This!
Individual health insurance and group health insurance are very different animals. Group health insurance is the type of insurance that is offered through an employer, or through an affiliation group. Individual health insurance is not. In most parts of the country, you can get individual health coverage through a licensed insurance agent.
Among the advantages of individual health insurance is that you may be offered the option of additional coverage for services like maternity treatment. Group health tends to be more of a "one-size-fits-all" rather than individually put together to suit a person's unique circumstances.
There are some tax advantages for group health insurance. The combination of these tax benefits, and the group purchasing power enables group health to be offered at substantially lower premiums than individual health insurance.
When it comes to choosing your doctor, you should make the decision making process thoughtful and based on a number of factors. It should not just be a hasty decision. You will want to research your choices based upon factors such as the doctor's credentials, and his performance and reputation. You will also want to find out whether doctor's office will work with your health insurance provider, or whether it's considered out of network.
Start with a list of recommendations from friends, colleagues and acquaintances. If you call a doctor and find that they're not taking new patients, you might stop to ask if they can recommend someone who is taking new patients. You can also cross reference your recommendations with the list that your insurance providers has for their network of providers.
The laws governing individual health insurance policies differ in many significant ways compared to the laws regulating group health insurance coverage. The regulations differ extensively from state-to-state.
These are the three main types of individual health insurance plans. HMO was once the most popular individual health insurance but over the years it has dwindled in popularity. PPO has quickly become the most popular choice for individual health insurance plans.
Any purchase of individual health insurance should be considered carefully, as future medical conditions may make it impossible to qualify for another individual health policy.
Finding an appropriate individual health insurance policy that is both affordable and providing the coverage that you need is not an easy task. If you're willing to put the time into researching, talking with agents, and educating yourself on the options, you'll be more likely to find the best possible solution for your coverage.
Among the advantages of individual health insurance is that you may be offered the option of additional coverage for services like maternity treatment. Group health tends to be more of a "one-size-fits-all" rather than individually put together to suit a person's unique circumstances.
There are some tax advantages for group health insurance. The combination of these tax benefits, and the group purchasing power enables group health to be offered at substantially lower premiums than individual health insurance.
When it comes to choosing your doctor, you should make the decision making process thoughtful and based on a number of factors. It should not just be a hasty decision. You will want to research your choices based upon factors such as the doctor's credentials, and his performance and reputation. You will also want to find out whether doctor's office will work with your health insurance provider, or whether it's considered out of network.
Start with a list of recommendations from friends, colleagues and acquaintances. If you call a doctor and find that they're not taking new patients, you might stop to ask if they can recommend someone who is taking new patients. You can also cross reference your recommendations with the list that your insurance providers has for their network of providers.
The laws governing individual health insurance policies differ in many significant ways compared to the laws regulating group health insurance coverage. The regulations differ extensively from state-to-state.
These are the three main types of individual health insurance plans. HMO was once the most popular individual health insurance but over the years it has dwindled in popularity. PPO has quickly become the most popular choice for individual health insurance plans.
Any purchase of individual health insurance should be considered carefully, as future medical conditions may make it impossible to qualify for another individual health policy.
Finding an appropriate individual health insurance policy that is both affordable and providing the coverage that you need is not an easy task. If you're willing to put the time into researching, talking with agents, and educating yourself on the options, you'll be more likely to find the best possible solution for your coverage.
Related Tags: individual health insurance, florida health insurance, individual health insurance plans
Your Article Search Directory : Find in Articles
Recent articles in this category:
- Dental Insurance For Individual Can Be Of Help At Time
Dental problem may cost one a lot of money and pain. But, practicing a reasonable care could decreas - Personal Trainer For Perfect Health
There is a general misconception that need for a fitness trainer comes for novice or from those who - Varicose Veins - Causes, Symptoms, Treatment
The majority of people after thirty notice the changes that appear with the maturing. In this case t - Scenar Therapy - Self-treatment Or Healing Partnership
Do you want to learn about a device which will help you to ease your pain? If you get this kind of a - Scenar - 5 "no, Nos" Of Scenar
Are you fed up with the pain in your body? Various parts of our body seem to ache due to different r - Scenar Device - 5 Tips On Travelling With Your Scenar (skenar) Device
You might be aware of scenar which has become quite popular these days. This is actually the acronym - Scenar Therapy - How To Treat Your Pet With Scenar
There are many alternative methods of treatment that are being invented these days. Lots of people a - Your Options For The Treatment For Appendicitis
Appendicitis is considered to be a surgical illness. Due to its severe character, the treatment for - How To Choose The Right Copd Medication
Chronic obstructive pulmonary disease or COPD does not have any cure. But with the help of medicines - Septic Arthritis: Infectious Agents Penetrate Joints' Spaces
Another major type of arthritis is septic arthritis, which is also known in various terms like: pyog
Most viewed articles in this category:
- Drugs - the Last Alternative for Adhd in Kids
Anyone over the age of thirty who has grown up with ADHD understands that there was not much help av - Foods To Eat To Gain Weight
Malnutrition has the same degree of problem as obesity. There are people who are too skinny, they fi - Understanding Postpartum Clothing
The same way most pregnant women dream of the day when they will begin showing for wearing maternity - Kegel Exercising for Bladder Control and Enhanced Sexual Pleasure
Kegel exercises strengthen the muscles of the pelvic floor, thereby improving the urethra and/or rec - The Use Of Weight Loss Herbs
Nothing has garnered more attention in today's world than the success or failures of weight loss pro - A Simple Acid Relux Cure
Many people today are afflicted with heartburn. If they eat food that is too spicy, they get heartbu - Five Effective Household Back Pain Treatments
Back pain treatment comes in lots of forms, from exercise to pain mediction. Standard and most wides - Herbal Remedies - Can They Cure What Ails You?
You've probably heard about herbal remedies before and how they can treat a variety of health proble - Natural Relief for Tinnitus - What are your Choices
Natural Relief For Tinnitus - Alternative Options Did you know that there are an estimated 50 t - Birthing Around the World
Since ancestral times, different cultures showed off different customs and beliefs around the miracl