Personal Health Plans and Prescription Assistance Programs For People in The U.S

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Private medical coverage offers reimbursement for health care. Prescription assistance programs may be included in some plans. A number of policies can provide for payment of health charges incurred on a reimbursement basis by paying benefits to the policy 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 amount charged for health visits. Medical expense or hospitalization coverage may possibly be issued on an individual or group basis. Some of these plans will provide prescription help.

Although there are a lot of types of benefits offered, personal medical expense insurance will generally be categorized as basic health expense coverage, major medical coverage, comprehensive medical insurance, and special plans. These plans ought to cover prescriptions because prescription drugs help so many patients. Most of these programs have for the most part been replaced by managed care policies and are no longer offered as stand-alone policies. These types of policies have been adapted and replaced in answer to changes in the health care field relative to cost control and market competition.

Basic healthcare insurance provided by a individual health expense plan includes hospital expense, surgical expense and medical expense. These three basics can be written as one or individually. Often this is written as “first dollar” insurance, which means it does not possess a deductible.

As the name implies, hospital expense insurance offers benefits for visits incurred during hospitalization. Hospital indemnities are regularly classified into two broad categories:

• Room and board, with nursing care and special diets

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

In several cases, surgical benefits may well be incorporated for specific types of surgery and related expenses. Hospital expense health insurance provides benefits for daily hospital room and board and various hospital bills while the insured individual is confined to the hospital. The policy may provide for a certain dollar amount for the daily hospital room and board benefit, even though the movement is toward health insurance of not more than the semiprivate room rate unless a private room is medically needed. The room and board benefit could be paid on either an indemnity basis or a reimbursement basis, depending on the specific policy.

Indemnity plans are on occasion called dollar amount policies. Room and board rates fluctuate by geographic location, but it is not rare to discover room and board rates ranging from $300  to $600  per day or more.

Usually, the maximum number of days is from 20  to 20 . More frequently, room and board charges are paid on a reimbursement basis. also referred to as an expenses-incurred basis~This is commonly called a expenses incurred basis~This is frequently called a expenses incurred basis}. Under this arrangement, the policy will pay in one of two methods.

• The actual bills for a semiprivate room are covered.

• A percentage of the actual expense is paid, with no explicit 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 health insurance company pays a specified percentage, regardless of what the actual charges are. A familiar percentage is 80%.

To sum up, under the actual expenses style of reimbursement program, the plan will pay the actual amount charged for a semiprivate room without regard to a specific dollar limit. With the percentage type of reimbursement policy, the policy will pay a certain percentage of the actual charges.


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