What is Individual Health Insurance
The world is a dangerous place. Anything can happen anytime and anywhere. Knowing that accidents could happen to us when we least expect them to, it is the best to always be prepared. In order to protect and secure ourselves from these unexpected events, we need to have insurance. Insurance agencies offer various plans and one of them is the individual health insurance plan.
Individual health insurance
Individual health insurance is a type of plan which provides you with long-term protection and comprehensive medical coverage. If you are working in the corporate world, your employers usually provide you with group health insurance. But if you are not comfortable with this, you can always opt to get your own insurance plan. To get an individual health insurance plan, one must go through a series of tests and questionnaires for the insurance company to determine your eligibility.
If you want to get an individual plan or ?indemnity,? you will have a more varied choice of health care providers than with managed care plans. Aside from this, the costs of medical services in indemnities are only covered once you have received the bill. In other words, you have to pay the bill first, and then you are reimbursed by the insurance company. In the long run, though, you will go through less paperwork for your insurance and lower out-of-pocket costs, thus making your life a whole lot easier.
Insurance packages
Various insurance companies offer different packages, but usually these packages include maternal needs and for protection of your mental health. A drug card is also available which will allow you to purchase prescription drugs for free as they will be covered by the insurance company. Finally, not only will these companies insure you of your mental health, but they will also help you financially because they also offer certain benefits like deductions and co-payments.
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Question by Erin: How come health insurance companies are allowed to discriminate against people with disabilities?
How is it legal for health insurance companies to discriminate against people with disabilities (I mean, medical disabilities), but other companies are not allowed to, like grocery stores are not allowed to? Or maybe it IS legal for other businesses to discriminate against people I am really just curious, that?s all. About the legal process. Health insurance companies kind of make me mad, because of this issue. I know I am expressing a political opinion, but I ask you not to troll. If you have a different opinnion thatn me, you can argue for it, but please don?t start trollin.?
Best answer:
Answer by Josh
You mean in writing policies? That?s one of the reasons we need health care reform, the insurance companies exclude people with pre-existing conditions. Which kind of ruins the whole concept of insurance, which is based on pooled risk.
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