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Due to the high cost of medical treatment, and prescriptions insurance companies have designed a strategy to help policyholders find the best coverage. Recently the companies have designed a healthcare strategy known as “managed care plans.” Most employers offer this particular plan, since it is one of the cheaper coverage policies. The plans are also found under the title “fee for service plans.”

The indemnity care coverage then differs from the “managed care plans,” since the policyholders have less restrictions while receiving medical treatment. The patient can get treatment for special causes without referrals. In other words, the managed care” coverage is a restricted policy, since the patient must only seek out treatment in a contracted network.” Thus, if the patient requires special physician care, he must get permission from a networked doctor. For example, one plan stipulates that the patient is only obligated to visit networking hospitals (more...)

Health insurance is no different to most other types of insurance - having the policy is one thing, but what happens if you need to file a claim? There s no one answer to this question. That s because just about every type of health insurance plan has its own method for dealing with claims. Stop for a minute and think about how many health insurance companies there are, then multiply that by the number of policies each company offers, and you start to realize why giving advice on how to file a claim can be so difficult.

This may sound obvious, but if you re not sure how to go about filing a health insurance claim, and even if you re not sure whether it s covered by your policy, the best thing to do is ring your health insurance company. If you look at their paperwork or website, they will usually have a toll-free number that s staffed during business hours to assist customers. Some bigger companies may even offer extended contact hours. You ll need to have information about your policy on han (more...)