Fee-for-service. The provider (such as a doctor or hospital) gets paid for each covered service. With this type, you go to a doctor of your choice, then the doctor or hospital submits a claim to your insurance company for payment. The insurance company will only pay the provider for "covered" services. Most fee-for-service plans have a deductible amount that you must pay each year before the insurance company will begin to pay for medical services. Many plans also require you to pay a portion of the medical expense — called "coinsurance."
Managed care. Managed care plans have contracts with certain doctors, hospitals and other providers to provide medical services to plan members. The three main types of managed care plans are:
Health maintenance organizations (HMOs). They provide health services for a fixed monthly payment, called a "premium." This monthly premium is the same whether you use the plan's services or not. The plan may charge a copayment for some services — for example $10 for an office visit or $5 for a prescription. HMO plans usually require you to select a primary care physician (PCP), who manages your care. As long as you use the doctors and hospitals that participate in the HMO, your out-of-pocket costs should be very small. The HMO Act of 1973 created this alternative to traditional health plans as a more affordable option.
Preferred provider organization (PPO). This option offers more choices than an HMO, but premiums often are higher. Most PPO plans do not require you have a PCP to manage your care. You can keep your out-of-pocket costs low by using "in-network" providers.
Point of service (POS). This plan is similar to a PPO, but your care is managed by a PCP. For example, with a POS plan, you would need a referral from your PCP to see a specialist.
People who have private insurance either buy it themselves or get it through their employer, called "group insurance." Group insurance obtained through an employer typically requires the employee to pay some of the overall policy cost.
Comparison between employer-sponsored and private health insurance Employer-sponsored.
Statistically speaking females have fewer accidents, lower claims and even if they are engaged in an accident the extent of damage is low when compared to men. This happens to be the main reason why females are awarded discounts on the car insurance policies. But there are several discounts you can club with your existing low premiums to and implement them before filing for a policy or a premium renewal.
Drive safely. Statistics prove that females are safer drivers than men; but you will not get any sort of discount if you are a reckless female driver with a poor driving record. An excellent driving record can do wonders for you as well as your insurance policy. If you do not have any claims and are not involved in any accident you can avail more bonuses for your safe driving record.
