Health Insurance

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How Health Insurance Really Works

Although buying the right health insurance may seem like a daunting task, health insurance policies all follow very basic and similar concepts even though specific numbers and percentages may differ. Every insurance policy between an individual/company and the insurance company is considered contractual. This contract can be renewed on a monthly or yearly basis, and a person will always be notified in advance through a member contract or an Evidence of Coverage Booklet as to the type of health care they will be receiving as well as their cost. The policy holder’s payment obligations may take many forms, however the holder should be prepared to pay a monthly premium to the insurance company for every month they wish to be covered. Once an individual is covered by a particular health insurance company, they still may need to pay a specific amount yearly or a “deductible” to the insurance company before the insurance company pays their share for medical expenses. Generally the higher the deductible is to an insurance company, the smaller the monthly premium an individual will have to pay, and vice versa. Ever since the mid 1900’s, health insurance has been a measure to help cover the cost of routine, emergency, and preventative medical procedures as well as most of the prescription drugs associated with these measures. If there is any particular service obtained outside of these procedures (such as a doctors visit), an individual may have to pay a “copayment” out of pocket for the service not covered under their policy. However, if a person does in fact need a medical procedure and it is covered under their health insurance (depending on their policy pay out limits), the insurance company will then pay for the procedure minus the individual’s deductible.

Health Insurance Companies

Activa Health Group
Activa Health Insurance Plan
Aetna/US Healthcare
Allied Network PPO
Alternative Health Insurance
American Postal Workers Union Health Plan
Avesis
Benchmark Health Insurance Company
Capital Health Plan
Caremark Prescription Services
Chartered Health Plan
ChiroHealth American
Chiropractic Health Plan
CNA HealthPro
Compcare Health Services
Employers Health Insurance Company
Executive Health Group
Fallon Healthcare System
FHP Healthcare
First Integrated Health
Group Health Corp
Group Health Incorporated (GHI)
Harvard Community Health plan
Health Net
Health Partners of Arizona
Health Partners
Health Plan of Florida (HIP)
Healthplan Southwest
Heritage Alliance Primary Care
Humana
Innovus
IOA Re
Kaiser Permanente
Landmark Healthcare
Liberty Health (Canada)
M-Care
Maxicare
Medimo Managed Healthcare
Mercy Health Plans
MHS Insurance Company
MVP Healthplan
National HMO
National Preferred Providers Network
Northeast Delta Dental
Northern Arizona Healthcare
ODS Health Plans
Omnicare Health Plan
Pacificare Health Plans
PacificSource Health Plan
Partners Health Plan
Patients' Choice
Personal California Care
Preferred Plan
Prescription Benefit Management
SummaCare Health Plan
The HMO Group
United Health Programs of America
United Wisconsin Services
Value Health, Inc.
Vision Service Plan
Vista Hill Behavorial Health Plan
Worldwide Health Partners

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