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What is the Best Type of Health Insurance?


If you compare what people paid for health insurance before with what we pay today you would find that it is much more expensive today. Advances in technology and increases in drug costs are just part of the picture.


It may also be because of the pollution, or the food we eat can also be one of the reasons, plus lack of exercise. The environment, the food we eat and getting our body fit are important factor to make people healthy.

Health insurance is one of the most expensive insurance because it deals with people's health. One of the reasons why it is expensive because Medicines, Hospitalization, medical bills, and doctor fee comes at a high price.

People today want to get health insurance but they can't afford it. People know how important health is, for if you have good health you could do everything. So when people buy one people want to get the best health insurance for them and their family.


But before getting one you need to know something about health coverage options. There are some different types of health insurance plan.

Traditional Insurance. This is the most flexible type of health insurance plan in this plan you could choose any doctor you want to see without the approval of a primary physician. But there are also some restrictions, like you need to get the approval of the company before checking into a hospital, except if it is really is an emergency.

Health Maintenance Organization or HMO. This type of plan will mostly cover some of your expenses if you go have your check up to a hospital or physician that is within the organization. You are only allowed to go to other hospitals or let other doctors see you when you are out of town or for emergency also you need the approval of your primary physician which is within the organization.


Preferred Provider Organization or PPO. This plan is less flexible compare to traditional health insurance plan, but it is more flexible compared to HMO. In this plan you could choose any doctor you want including a specialist if you need one but your co-payment will be much expensive, especially when the doctor is not in the organization.

Point of Service or POS. This plan is similar to HMO you will have two options you could choose a doctor that is within the organization and pay a lower co-payment. You could also choose another doctor but you'll have to pay a percentage of the charge.


The types listed above are just an overview of the different plans. I suggest you research and understand the plans first before you decide to buy and choose one.

Only you can choose the best type of health insurance for your family, for you are the only ones who know what you need and want in an insurance plan. The Best health insurance differ from one family to the other depending on their needs and wants.

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