Download e-book for iPad: Hassle-Free Health Coverage: How to Buy the Right Medical by Silver Lake Editors

By Silver Lake Editors

ISBN-10: 1563431602

ISBN-13: 9781563431609

Either a primer and a dealers consultant, it deals up to date details and sensible suggestion.

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Additional info for Hassle-Free Health Coverage: How to Buy the Right Medical Insurance Cheaply and Effectively

Example text

With the service provider (the doctor) strongly influencing the decisions about how much and what kind of service should be provided, at least one truth emerges about indemnity coverage: It’s not very effective for containing costs. for a long time. Conceptually, the coverage is pretty simple. In practice, it comes with some qualifiers. Insurance companies recognized pretty quickly that orthopedists in Miami and ob/gyn’s in Seattle were driving Mercedes, building second houses and sending their kids to Harvard—often at the same time.

And it uses deductibles and absolute dollar limits differently than traditional indemnity insurance. Major medical can be sold on an individual and group basis—and is sold aggressively to both. It provides benefits up to a high limit for most types of medical expenses incurred, subject to a large deductible. The contract may contain limits on specific types of charges, like room and board, and a co-insurance clause. 51 HASSLE-FREE HEALTH COVERAGE These policies usually pay covered expenses whether an individual is in or out of the hospital.

So, if you want to save premium dollars, select a plan with a higher deductible—it will reduce the cost of the premium. CO-INSURANCE PROVISIONS Once your deductible is satisfied, the major medical insurance company will then pay for covered medical expenses, on a co-insurance basis. (As we’ve seen, co-insurance—sometimes called copayment—means that you and the insurance company split the cost of a claim. ) 55 HASSLE-FREE HEALTH COVERAGE Co-insurance requirements are typically expressed as 80 percent to 20 percent, 70 percent to 30 percent, etc.

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Hassle-Free Health Coverage: How to Buy the Right Medical Insurance Cheaply and Effectively by Silver Lake Editors


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