Health Insurance Coverage Characteristics is the most wanted thing to the people who want to get the best health insurance. It can be the reason for the people to choose the most suitable health insurance for them and also for their family.
As everybody knows that health insurance is the countermeasures for the emergency spending of our fund related to the disease that usually attacking us. In order to make our body stay in the healthy condition, we need to invest our money to pay the health insurance.
By investing our money in the health insurance, we will be ready if the worst conditions happen to us or even our beloved family. Investing to the health insurance is not as easy as it seems.
We have to consider many things before we decide to use the certain health insurance. By considering those things, we will be spared from the naughty health insurance which can make us loss our money.
Three Health Insurance Coverage Characteristics
In considering the most suitable health insurance, we must consider about the characteristics of the health insurance itself. Health Insurance Coverage Characteristics can be seen as follows: fee for Service, Preferred Provider Option, and Health Maintenance Organization.
From the first characteristic in Health Insurance Coverage Characteristics is the Fee for Service. It brings the healthy provider billing to the insurer for a fee, then the insurer pay for it.
By using this kind of characteristic of the health insurance, we will get many advantages such as we only pay the tax we use. We can pay not the whole payment, but only some of the payment that we must pay when we or our families get sick.
Take for example; the healthy insurance pays only 80 percent from the total payment that we must pay to the hospital, then the last 20 percent we must pay it independently to the hospital. Generally the more the deductible payment for us, the lower the premium we get. It is caused by the insurance company is at risk for less.
Provider in Health Insurance Coverage Characteristics
Preferred Provider Option is another characteristic of the health Insurance Coverage Characteristics. It usually called PPO. The consumer of this healthy insurance usually discuss their problem with physician first or goes to the hospital that still in the network of it.
This kind of insurance characteristic is expected to reduce the payment by consulting to the expert. If the consumer don’t consult with the expert, they will get what they want but in the higher price. So that is why this way is usually chosen by people.
The last characteristic in Health Insurance Coverage Characteristics is the Health Maintenance Organization (HMO). This is usually known as “the managed care” which has the meaning that it emphasizes to the preventive care model. The preventive model of HMO will make us stay in the healthy condition. It is caused by the organization that will always guide us to life healthy. This is the most effective way to avoid the illness.
From those characters above, we can conclude that the most suitable healthy insurance is according to our needs and also the budget we have. The more budget is not guarantee that we will satisfy with the performance of the healthy insurance itself. By choosing the best insurance for us and for our family, we will stay in the healthy condition and also will save our money by investing in the right place of this Health Insurance Coverage Characteristics.
Afri Yanto S.Kom, An engineer who loves to write about education, lifestyle, tech stuff and popular sciences. CP: 