Health Insurance
There are two basic kinds of heath insurance -- Fee-for-Service
and Managed Care. Although the plans differ, both cover a range
of medical, surgical and hospital expenses. Most cover prescription
drugs and some also offer dental coverage.
1. Fee-for-Service. These plans generally assume that the medical
professional will be paid a fee for each service provided to
the patient. Either the medical provider or the patient files
the claim.
2. Managed Care. There many different forms of Managed Care
insurance. Various plans work differently and may include: health
maintenance organizations, preferred provider organizations
and point-of-service plans. These plans provide comprehensive
health services to their members and offer financial add-ons
to patients.
The best type of health insurance available in the market today
is the Long-Term health insurance. But do you really this kind
of insurance? Here's why you DO.
1. Long term insurance preserves your assets for your family
instead of spending the money on long-term care.
2. The odds that a man over 65 will need long-term care are
1-3; these odds are 1-2 for a woman over 65.
3. Premiums may be partially tax-deductible. .
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