2. What type of health insurance do you have? Is it an HMO, a PPO, an...

2. What type of health insurance do you have? Is it an HMO, a PPO, an ACO, or some hybrid form of MCO? Are you familiar with your deductible? What other details about your health insurance are important to you?

Expert Solution

I have "preferred provider organisation" (PPO) insurance

The deductibles are the amount that we pay to the service providers before we avail the service

Example: Joan's plan for deductible Is $1500 and he have paid 100% of eligible health expenses, and he availed medical services of $1500. Later the remaining medical expenses was shared among himself and coinsurance.

Generally plans with high monthly premiums have low deductibles and plans with low monthly premiums have high deductibles

The important points that you should know about the health insurance are:

The risks covered in the scheme
How much money and what types of benefits can be availed,if claimed.
What are the deductibles
What policy does cover
What policy does not cover
How is policy premiums determined
What are the restrictions on preexisting conditions
Does the plan includes current doctors
Does it cover routine examinations
What is the process of claiming
Is the insurer financially stable

Nightingale answered 1 year ago

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