NLIC.org

Johnny Said:

Health Insurance Plans Oregon, Washington, Idaho & Arizona Choices?

We Answered:

http://computersinternet.cn/health-insurance.html
http://computersinternet.cn/health-insurance.html
http://computersinternet.cn/health-insurance.html
http://computersinternet.cn/health-insurance.html
http://computersinternet.cn/health-insurance.html

Jeffrey Said:

How might a horrible health insurance plan be compared to a great health insurance plan?

We Answered:

Your deductible could be a lot, you may not be able to pick the doc of your choice, they may not accept a pre-existing condition, your co-pays might be a lot, they may not cover a lot of services that the doctor orders.....

Lorraine Said:

Health Insurance: Why would an indemnity plan cost $27 less than a PPO?

We Answered:

You'll end up paying more to your providers out of pocket with an indemnity plan, than you would by seeing "in-network" providers under a PPO plan.

With an indemnity plan, you can go to any provider you want, and the insurance company will reimburse according to a flat fee schedule. Unless your provider has a signed agreement to accept that indemnity fee schedule's rates, they will be able to balance bill you up to their full billed charges.

Example...

Your doctor bills $100 to the insurance company. For the sake of simplicity, we'll assume that both the PPO and indemnity allowed amounts are the same...let's say $60.

Under the PPO plan, your insurance company will allow $60 on the claim. The insurance payment + the amount you owe will equal $60. An in-network doctor will write off the remaining $40 ($100-$60) as a contractual adjustment.

Under the indemnity plan, your insurance company will allow $60 on the claim. The doctor may choose to balance bill you the remaining $40, in addition to your copay portion of the $60.


Generally, with an indemnity plan, you might pay less in premium, but spend more out of pocket to your medical providers in the long run. (Note - unless you're lucky enough to find only providers who will accept the indemnity fee schedule as paid in full. But fewer and fewer providers participate with indemnity plans these days.)


Also...even if your provider contracts with the indemnity plan, fee schedules for indemnity plans are generally very different than fee schedules for PPO plans. The provider gives a steeper discount to the PPO plan, as incentive for steering more patients their way. They can give a deeper discount to PPOs, because it will be made up in higher patient volume. This doesn't happen with indemnity plans, because the patients can go anywhere and aren't "steered" towards network providers. Therefore, indemnity plans get a smaller discount from the providers billed charges.


(Example - the hospital system I work for has contracts with both the indemnity and PPO plans of a major national health insurance company. PPO patients get a 60% discount off our billed charges, indemnity patients get a 20% discount off our billed charges. There's a much smaller amount that we're obligated to write off for the indemnity patients.)

Glenda Said:

Health Insurance Online?

We Answered:

I'd recommend

http://www.lowcost-healthinsurance.org/

they have a bunch of companies listed...

Claire Said:

What is the difference between Health Insurance and Health care Program?

We Answered:

Health insurance is the one that pays for your medical expenses should you incur one. While health care program is designed for the continuity better living despite health disability.. Long Term Health Care Program is best be planned ahead.

If you find it suitable for you, then it's fine. Otherwise, seek for a medical/legal health expert for a better advise.