Health Insurance CoverageHealth insurance coverage is very important because it gives one the security that should anything happen to him, he and his family would not need to worry. Health insurance coverage usually includes medication, consultations with doctors, hospitalization and hospital stays.
A Fee-of-Service plan is a health insurance coverage plan in which the company splits with the insured the cost of the doctors and hospital bills. The insured usually pays the company monthly. Two kinds of fee-of-service plans exist. One of them is the basic health insurance coverage with pays the room and care during confinement, the cost of surgery, along with some diagnostic procedures and the medications. The other fee-of-service health care coverage plan pays the cost of long-term illnesses or injuries. Health Maintenance Organization plan or HMO plan provides for the doctor's consultation, confinement, surgery, and diagnostic tests. However, the insured in this health insurance coverage plan has no liberty to choose his own doctors or hospital. This type of health insurance coverage plan also offers immunizations, check-ups, mammograms, and other health care in order to prevent illness and minimize the cost. Those who are members of this health insurance coverage plan simply pay using their membership card. Choice of physicians is limited because the insured in this health insurance coverage should first consult the HMO doctor. The HMO physician is the one who would refer the insured to specialists if needed. Another kind of HMO health insurance coverage allows the insured to be referred to a specialist that is not a member of the HMO pool of physician.
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