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Stock Market Analysis and Personal Finance. Mr. Bernstein Health Care Insurance , pp 444-459 June 10 , 2013. Stock Market Analysis & Personal Finance Mr. Bernstein. Health Insurance Plans Most people are part of a Group Plan , commonly through their employer

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stock market analysis and personal finance

Stock Market Analysis and Personal Finance

Mr. Bernstein

Health Care Insurance,

pp444-459

June 10, 2013

stock market analysis personal finance mr bernstein
Stock Market Analysis & Personal Finance Mr. Bernstein

Health Insurance Plans

Most people are part of a Group Plan, commonly through their employer

Self-employed or otherwise uncovered persons may purchase Individual Health Insurance

COBRA is a law enacted in 1986 which allows workers who lose their jobs to purchase Group Plan insurance through their former employer for a set amount of time

stock market analysis personal finance mr bernstein1
Stock Market Analysis & Personal Finance Mr. Bernstein

Types of Health Insurance Coverage

Basic Health Insurance

Hospital Expense

Surgical Expense

Physician Expense

Major Medical

Coinsurance or deductibles

Comprehensive

Both Basic Health and Major Medical

stock market analysis personal finance mr bernstein2
Stock Market Analysis & Personal Finance Mr. Bernstein

Other Health Insurance Policies

Dental Expense

Vision Care

Long-Term Care

Trip Accident*

Dread Disease Policies*

Supplemental *

Discount Plans* * - not comprehensive insurance

stock market analysis personal finance mr bernstein3
Stock Market Analysis & Personal Finance Mr. Bernstein

Health Care Providers

HMOs (Health Maintenance Organization)

Patients must be preapproved professionals

PPOs (Preferred Provider Organization)

May select “in-network” or more expensive “out-of-network” professionals

stock market analysis personal finance mr bernstein4
Stock Market Analysis & Personal Finance Mr. Bernstein

Resource for Health Care Insurance information

Provided by US Federal Government

http://www.healthcare.gov/index.html

Includes tabs such as “Health Insurance Basics”, “Prevention, Wellness and Comparing Providers” and “The Health Care Law and You” (note this tab contains only the positive features of new Federal laws and cannot be considered information from a neutral source)