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Tag Archives: types of health insurance

What is a referral in healthcare?

Referrals refer to two important functions in healthcare. First, the traditional medical definition is to issue a recommendation for a patient to see a designated doctor or type of medical care provider. This kind of referral is the customary practice when an attending doctor senses a condition that is outside of his or her area […]

Health Insurance for a Teenager

Which health insurance is available for teenagers depends on several different factors. Different insurance options are available depending on where you live, your family composition, your income level, your employer, or your employment status. Parents seeking health coverage for the whole family, or teens under age 19 living way from home, can choose from public […]

What is a Section 125 Cafeteria Plan?

The magnitude of health insurance changes that have occurred over the past few years have resulted in many consumers feeling lost or confused. With more people opting for lower-cost high-deductible health insurance coverage, the risk of greater out-of-pocket spending for medical services increases as well. Fortunately, there are avenues that have been provided by the […]

What is a health insurance cooperative?

What’s a health insurance cooperative? It’s becoming a popular question because co-ops are popping up everywhere. You may have a cooperative at your local farmer’s market or maybe even your child’s nursery. If so, you’re familiar with what it means. Now just imagine it being applied to your healthcare. The information provided here will help […]

What is United Medical Resources (UMR)?

United Medical Resources is affiliated with the United Healthcare insurance company, but it is not considered an insurance company on its own. It is a third party administrator. It is actually the largest TPA in the United States and offers several administrative benefits to employers and beneficiaries that enroll. United Medical Resources offers consistent customer […]

What is a CDHP medical plan?

The goal of a CDHP is to expose you to the financial effects of medical-related expenses, which in turn gives you greater control over your health insurance costs. CDHPs include Health Savings Accounts, Health Reimbursement Arrangements, and High-Deductible Health Plans. In order to enroll in a CDHP health savings account, known as an HSA, you […]

What is commercial health insurance plan?

In a strict sense, commercial insurance is any health plan that is not provided by a public body or government agency like Medicaid. The focus of commercial health insurance is corporate profit for the provider and its shareholders, owners, or stakeholders. Commercial health insurance is also a type of health insurance with income protection coverage. […]

What is a “carve out” in healthcare?

A carve-out is a management strategy; the party in control of payments or a plan hires a specialist firm to administer some part or parts of a benefits program. Carve-outs occur on two levels of the medical insurance business. Carve-outs occur at the payer level and the plan level. Self-funded employer plans frequently use carve-outs […]

What is a health insurance company?

A health insurance company offers a way to make health care more affordable by assuming the risk of paying remaining qualifying medical bills for insured individuals and families that satisfy all monthly premiums, deductibles and coinsurance payments each year. They will pay 100 percent of any remaining medical expenses once the annual out-of-pocket limit is […]

Why is medical insurance so complicated?

Medical insurance is unlike other types of insurance. The consumer can feel that it is a never-ending stream of demands for payment. The medical insurance contract must meet the standards of the Affordable Care Act for qualified health coverage. Going without coverage can bring a tax penalty, and many consumers feel that affordable premiums come […]

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