Finding Health Insurance When You Own Your Business
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If you’re a business or home business owner, finding health coverage can be difficult. When you’re an employee, you usually join the company plan that is offered if you can afford it at the time. When you run your own business, you have to research the different plans to find one that suits your particular situation. Following is some information that may be helpful when choosing an insurance provider.

In the United States health care coverage is separated into two forms of private health care coverage; health insurance policies and managed care programs which include health maintenance organizations (HMOs), preferred provider organizations (PPOs) and point of service providers (POSs), and all are heavily regulated by federal and state government.

An HMO often owns and operates it’s own hospitals and medical facilities. They hire their own doctors, nurses and medical staff. Independent practices are models of HMOs that contract out independent physicians in private practices. A PPO is a hybrid of the HMO and is a POS.

Managed care plans often have a fixed monthly fee. The purpose of this organization is to transfer the financial risk of health care from the patient to the care organization. If the cost of care is over the portion paid by the patient the care organization covers the fee. The PPO usually offers two or more tiers of coverage with varying benefit levels and co-pay options. Sometimes issues arise that require patients to use a general practice physician for care, in which case some care plans are willing to work with that person if a family doctor refers them.

Some view Health Insurance Policies negatively as they often only cover absolute medical necessities such as illness, injury and other medical conditions. For instance, hospitalization for evaluation or observation is not covered, and there may be a lot of other clauses and limitations and exclusions. An example is a pre-existing condition provision. Federal law states that a pre-existing condition is only valid if it relates to a condition that was formerly recommended by insured care within the last six months before enrollment. Issues like this can really make it difficult for people to choose health Insurance policies.

No matter what health insurance option you choose you’ll face some problems. So, you must do a lot of thorough research to find provider that best suits your personal needs.

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