Insurance Coverage
Health Insurance Types
This is the traditional kind of health care policy. Insurance companies pay fees for the services provided to the insured people covered by the policy. This type of health insurance offers the most choices of doctors and hospitals. You can choose any doctor you wish and change doctors any time. You can go to any hospital in any part of the country.
How to Find Health Insurance
Employer. Many employers will offer coverage or discounted plans. Talk to your boss or the HR department.
Other Insurance Types
Medicare is the Federal health insurance program for Americans age 65 and older and for certain disabled Americans. If you are eligible for Social Security or Railroad Retirement benefits and are age 65, you and your spouse automatically qualify for Medicare.
Travel Insurance
When you're abroad, many insurance plans won't cover you. Bills can run extremely high, especially if a medical evacuation is needed. I've heard stories of costs ranging near $100,000.
Where People Get Coverage
Most Americans get health insurance through their jobs or are covered because a family member has insurance at work. This is called group insurance. Group insurance is generally the least expensive kind. In many cases, the employer pays part or all of the cost.
Why Health Insurance?
Simple, to protect yourself and your health. By getting health insurance, one can control costs. About 47 million Americans are uninsured and a large portion of bankruptcies are due to health problems.
Are You Young, Healthy and Uninsured?
You're young, you're not going to get sick, so you don't need insurance, right? Wrong! Here's why.