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December 02 2009

Group Health Insurance and Prescription Assistance Programs For People in The United States

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Private health insurance provides benefits for medical care. Prescription assistance programs might be included in some policies. A number of policies may possibly provide for payment of medical expenses incurred on a reimbursement basis by paying benefits to the plan holder, payment on a service basis by paying those who provide the services directly, or payment of an indemnity by paying a established amount regardless of the total charged for health bills. Health expense or hospitalization coverage could be issued on an individual or group basis. A few of these policies will provide prescription help.

Even though there are numerous types of benefits to be had, personal health expense insurance might commonly be categorized as basic medical expense coverage, major medical coverage, comprehensive medical coverage, and special plans. These plans ought to cover prescriptions because prescription drugs help so many patients. A large amount of these plans have by and large been replaced by managed care options and are no longer sold as stand-alone plans. These types of policies have been modified and replaced in response to changes in the health care field relative to cost containment and market competition.

Basic coverage provided by a individual health expense policy includes hospital expense, surgical expense and medical expense. These three basics may perhaps be issued together or individually. Normally this is written as “first dollar” insurance, which means it does not contain a deductible.

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Like the name implies, hospital expense healthcare insurance provides benefits for expenses incurred during hospitalization. Hospital indemnities are frequently classified into 2 general categories:

• Room and board, together with nursing care and special diets

• Miscellaneous health charges, as well as x-rays, laboratory fees, prescriptions, medical supplies, and operating and treatment rooms

In some cases, surgical benefits may perhaps be incorporated for some types of surgery and associated costs. Hospital expense health insurance provides benefits for daily hospital room and board and assorted hospital expenses while the insured person is confined to the hospital. The policy can provide for a particular dollar amount for the daily hospital room and board benefit, although the tendency is toward insurance of not more than the semiprivate room charge unless a private room is medically required. The room and board benefit may be paid on either an indemnity basis or a reimbursement basis, depending on the particular plan.

Indemnity programs are now and again called dollar amount policies. Room and board rates vary by geographic location, however it is not atypical to notice room and board rates ranging from $300  to $750  per day or more.

More often than not, the maximum number of days is from 50  to 20 . More frequently, room and board expenses are paid on a reimbursement basis. This is {frequently called an expenses incurred basis~This is also known as a expenses incurred basis~This is often times called a expenses incurred basis}. Under this agreement, the plan will reimburse in one of two ways.

• The actual charges for a semiprivate room are covered.

• A percentage of the actual fee is paid, with no specific dollar limit.

Under the first reimbursement option, the medical insurance company will pay the full actual semiprivate room rate, regardless of what it is. Under the second reimbursement option, the healthcare insurance company pays a specific percentage, regardless of what the actual charges are. A common percentage is 80%.

To sum up, with the actual expenses type of reimbursement program, the plan will pay the actual amount charged for a semiprivate room with no regard to a specific dollar limit. With the percentage type of reimbursement plan, the policy may pay a specified percentage of the actual charges.