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Personal Insurance

Learn about different types of personal insurance.

Xổ số trực tiếp 3 miền defined?

  • Xổ số trực tiếp 3 miềnWhen do benefits begin?

  • Xổ số trực tiếp 3 miềnHow long do benefits last?

  • How much money will the policy pay?

Federal Disability Programs

Two Social Security Administration programs pay benefits to people with disabilities. Learn about Social Security Disability Insurance (SSDI) and Supplemental Security Insurance (SSI).

  • A plan you purchase on your own directly from a health insurance company or through the
  • Government programs such as , , or
  • The or for military personnel
  • Your state, if it provides a health insurance plan
  • Continuing employer coverage from your former employer, on a temporary basis under the Consolidated Omnibus Budget Reconciliation Act (COBRA)
  • Types of Health Insurance Plans

    Xổ số trực tiếp 3 miềnWhen purchasing health insurance, your choices typically fall into one of three categories:

    • Traditional fee-for-service health insurance plans are usually the most expensive choice, but they offer you the most flexibility in choosing health care providers.
    • offer lower co-payments and cover the costs of more preventive care, but your choice of health care providers is limited to those who are part of the plan.
    • offer lower co-payments like HMOs but give you more flexibility in selecting a provider.

    Choosing a Health Insurance Plan

    Xổ số trực tiếp 3 miềnRead the fine print when choosing among different health care plans. Also ask a lot of questions, such as:

    • Do I have the right to go to any doctor, hospital, clinic, or pharmacy I choose?
    • Are specialists, such as eye doctors and dentists, covered?
    • Does the plan cover special conditions or treatments such as pregnancy, psychiatric care, and physical therapy?
    • Does the plan cover home care or nursing home care?
    • Will the plan cover all medications my physician may prescribe?
    • What are the deductibles? Are there any co-payments? Deductibles are the amount you must pay before your insurance company will pay a claim. These differ from co-payments, which are the amount of money you pay when you receive medical services or a prescription.
    • What is the most I will have to pay out of my own pocket to cover expenses?
    • If there is a dispute about a bill or service, how is it handled?
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    Last Updated: March 6, 2020