By The Silver Lake
How mom and dad and guardians can locate the simplest clinical insurance for his or her youngsters. the US offers caliber scientific assurance for any baby; besides the fact that, those courses should be tough to discover. this beneficial e-book explains how the mechanics of simple staff overall healthiness plans, HMOs, PPOs and different assurance practice to teenagers; lists and explores universal federal and country courses that offer health insurance for children; compares those courses to every other-including clinics, instructing hospitals, paying cash-to aid households create winning plans for purchasing children remedy; and explains how households can entry those courses. The Silver Lake Editors were writing approximately coverage and private finance concerns for greater than a decade.
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Additional info for Kids and Health Care: Using Insurance, Cash and Government Programs to Make Sure Your Children Get the Best Doctors, Hospitals and Treatments Possible
An individual policy is rated on the age and insurability of the applicant, not an entire group. On the other hand, a married person with several children would probably find that the group premium would be less than an individual family premium. On an individual basis, this person must “pay by the head”—a separate premium for each covered family member. Usually, a group policy will charge a family rate regardless of the number of 55 HOW HEALTH INSURANCE WORKS dependents the participant may have.
A third is to file a complaint with state regulatory authorities, though major medical insurance companies are usually allowed wide discretion in setting UCR fee schedules. But there’s a less contentious approach that often works. Explain to your health care provider that your insurance company uses a UCR limit that’s lower than the fee you’ve been charged. If you back this argument up with the insurance company’s paperwork, you may be able to convince the provider to bring the bill in line with the UCR fee schedule.
LONG-TERM CARE Long-term care (LTC) is care that is provided for persons with chronic disease or disabilities. The term includes a wide range of health and social services, which may involve adult day care, custodial care, home health care, hospice care, intermediate care, respite care and skilled nursing care. LTC does not include hospital care. MANAGED CARE Managed care refers to a broad and constantly changing array of health plans that attempt to control the cost and quality of care by coordinating medi32 CHAPTER 2 cal and other health-related services.
Kids and Health Care: Using Insurance, Cash and Government Programs to Make Sure Your Children Get the Best Doctors, Hospitals and Treatments Possible by The Silver Lake