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Health insurance is one of the most important investments you will ever make and is also a legal requirement. Choosing a good coverage that you can afford is necessary. Read on to find out more about this topic that can get a bit overwhelming.
Health insurance helps you pay off medical bills and allows you to get preventive and routine care which would otherwise be very expensive. It is a contract with an insurance company, where you pay a “premium” or a fixed amount on a regular basis and the company helps pay or pays all your bills depending on the coverage and policy you have opted for.
The health insurance providers that have the biggest market value are UnitedHealth Group, Anthem, Aetna, Cigna, Centene, Humana, Molina Healthcare and Magellan. There are many more that people opt for with smaller market values. You may find something that’s not listed in a top ten group but works well for you.
Health insurance marketplaces are organizations that are set up to make the purchase of health insurance easy. These marketplaces or health exchanges are set up in each state according to the Patient Protection and Affordable Care Act – ACA or Obamacare – to provide government-regulated and standardized health care plans for individuals to purchase policies eligible for federal subsidies.
Once you insurance coverage starts no insurance plan can revoke you, charge you more or refuse to pay for essential treatment. They must cover treatment for pre existing conditions which includes cancer and diabetes. But, if someone has already been diagnosed with cancer, then medical insurance for that person is denied.
People with lower incomes can pay for medical care with Medicaid which is a state-run, government insurance program. Those using this facility have to pay a small amount for certain medical care and Medicaid pays the health care provider for services rendered. Rules about who is eligible for this are different from state to state. Medicare on the other hand is government-provided health insurance for people who are aged 65 or older. Even those with disabilities or long term health problems can get insurance through Medicare, though it doesn’t cover all medical costs for those who qualify for it.
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