Archive

What Is Not Covered?

While HMO benefits are generally more comprehensive than those of traditional fee-for-service plans, no health plan will cover every medical expense. Very few plans cover

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Pre-existing Conditions

Many people worry about coverage for preexisting conditions, especially when they change jobs. The Health Insurance Portability and Accountability Act (HIPAA) helps assure continued health

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How Do I Get Health Coverage?

Health insurance is generally available through groups and to individuals. Premiums – the regular fees that you pay for health insurance coverage – are generally

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Appropriate Care

HMOs, PPOs, and fee-for-service plans often share certain features, including pre authorization, utilization review, and discharge planning. For example, you may be asked to get

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Self-insured Plans

Your employer may have set up a financial arrangement that helps cover employees’ health care expenses. Sometimes employers do this and have the “health plan”

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Managed Care

The three major types of managed care plans are health maintenance organizations (HMOs), preferred provider organizations (PPOs), and point-of-service (POS) plans. Managed care plans generally

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Fee-for-Service

This type of coverage generally assumes that the medical provider (usually a doctor or hospital) will be paid a fee for each service rendered to

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Broker News

Institute of Medicine Issues Recommendations

On October 7, 2011, the Institute of Medicine (IOM) publicly issued its highly anticipated “essential health benefits” (EHB) policy principles to the Department of Health and Human Services (HHS). Among the proposals included in the 297-page report, the IOM recommended that the package of “essential health benefits” be based upon a typical small employer plan in today’s market and linked to the national average premium cost of a “silver” level plan in the Exchange.

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