Health insurance

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Health Insurance

An insurance policy that provides coverage when the policyholder (or his/her dependent) becomes ill. For example, a health insurance policy may pay for most or all of the costs of a surgery. Health insurance may cover doctor's visits, medical procedures, prescription drugs, and so forth. The policyholder pays a premium each month in exchange for the coverage; additionally, the policyholder often must pay coinsurance and/or a copay for certain procedures. In the United States, many people procure health insurance through their employers because it is often expensive to buy on one's own. Likewise, many people have group insurance to provide medical coverage. A significant amount of debate exists as to the appropriate role of the U.S. government in regulating health insurance providers and whether the government should assume this role directly.

Health insurance.

Health insurance covers some of or all the cost of treating an insured person's illnesses or injuries. In some cases, it pays for preventive care, such as annual physicals and diagnostic tests.

You may have health insurance as an employee benefit from your job or, if you qualify, through the federal government's Medicare or Medicaid programs.

You may also buy individual health insurance directly from an insurance company or be eligible through a plan offered by a group to which you belong. As you do with other insurance contracts, you pay premiums to purchase coverage and the insurer pays some of or all your healthcare costs, based on the terms of your contract.

Some health insurance requires that you meet an annual deductible before the insurer begins to pay. There may also be coinsurance, which is your share, on a percentage basis, of each bill, or a copayment, which is a fixed dollar amount, for each visit.

Health insurance varies significantly from plan to plan and contract to contract. Generally, most plans cover hospitalization, doctors' visits, and other skilled care. Some plans also cover some combination of prescription drugs, rehabilitation, dental care, and innovative therapies or complementary forms of treatment for serious illnesses.

References in periodicals archive ?
Even those who oppose Obama's healthcare reform agenda (53 percent) or oppose creation of a government health insurance plan (46 percent) largely reject the bishops' argument that they are obligated to oppose healthcare reform entirely if coverage for abortion is included.
Calculation of premiums will be based on total annual income instead of monthly income from fiscal 2003, starting April 1, 2003, and premium rates for government health insurance plans will also go up, according to the plan.
Expanding government health insurance and increasing reimbursement levels will also reduce out-of-pocket costs for patients and further support AF treatment volumes, while rising government investment in more advanced health care facilities will increase diagnosis and treatment capabilities for cardiac arrhythmias in general.
com could aid government health insurance exchange enrollment efforts and produce immediate and long-term benefits for the uninsured, for the health insurance industry, and for the overall success of the Affordable Care Act (ACA).
Over this period, 17% of Americans said they lacked health insurance, and 21% of those uninsured Americans say they personally visited, or attempted to visit, a state or federal government health insurance exchange website.
He said that workers remained steadfast but they didn't get the right reward neither in money or moral terms, disclosing that 39% of the Sudanese people enjoy the government health insurance.
In addition, Medicare and Medicaid, government health insurance programs that cover seniors, can be a less lucrative source of payment for doctors than private insurers.
A WHO-sponsored study showed that more than 50 per cent of patients enrolled in the government health insurance scheme - RSBY- had to spend from their own pockets at the time of admission to a hospital.
They will deliver a comprehensive government Health Insurance Exchange (Exchange) solution blending the expertise in eligibility and enrollment for state Medicaid and CHIP programs provided by MAXIMUS with Connecturc's established web-based health insurance shopping, enrollment and administration solution.
The Census Bureau reported that the number of people covered by government health insurance rose from 29 percent in 2008 to more than 30 percent in 2009, with Medicaid enrollment rising from 42.
The simple truth is that equal competition between a government health insurance plan and private plans would be impossible.
I am very tired of reading letters to the editor that are absolutely sure that government health insurance is going to be better and cheaper than private insurers.

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