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Health insurance is very important because it gives a person a sense of security that if anything happens to him, he and his family do not need to worry. Health insurance coverage usually includes the cost of medication, doctor’s consultation, hospitalization and hospitalization period. Some health insurance policies even cover the cost of diagnostic and treatment procedures. Health insurance coverage provides peace of mind. If you have health insurance coverage and you get sick, you can relax and worry less because your health insurance coverage will cover the costs.
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There are a variety of health insurance coverage plans to choose from. One of them is the managed care plans where the insurance companies provide their own alliance of doctors and hospitals that are ready to provide health care services if their members need it. However, the downside of this type of health insurance coverage is that this health insurance plan will require you to pay a fee if you want to see your own doctor or be admitted to a hospital of your choice.
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A fee-for-service plan is a health insurance plan in which the company shares the cost of doctors and hospital bills with the insured. The insured usually pays a monthly fee to the company. There are two types of fee-for-service plans. One is a basic health insurance plan that pays for hospital rooms and care during hospitalization, surgery, and some diagnostic procedures and medications. The other type of fee-for-service health insurance plan pays for long-term illness or injury.
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Health maintenance organization plans or HMO plans provide physician consultations, hospitalization, surgery and diagnostic tests. However, the insured under this type of health insurance plan is not free to choose his or her own doctor or hospital. This type of health insurance coverage plan also provides immunizations, physical exams, mammograms, and other health care services to prevent illness and minimize costs. People who enroll in this type of health insurance plan pay only with their membership card. The choice of physicians is limited, as insured persons enrolled in this type of health insurance should first consult with an HMO physician. The HMO physician will refer the insured to a specialist if needed. Another type of HMO health insurance allows the insured to be referred to a specialist who is not part of the HMO’s physician pool.
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Some diseases last a long time and are very expensive to treat, such as cancer, which can take a long time to cure. People with cancer who have health insurance before they get the disease will have less worry about the medical costs of treating the disease. No one wants to have cancer because it is painful and sometimes terminal. The physical and emotional burden can be very hard on the patient, and having one less aspect to worry about makes this type of health insurance an attractive option.
Diabetes is also a good reason to get health insurance, as this disease requires ongoing treatment and expenses to keep diabetics in good health. Health insurance is needed because the insured needs to spend on equipment such as doctor consultations, medication and blood glucose monitors.