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07083 (2) (0.4 mi)

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Health Insurance Union, NJ

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Health Insurance Summary:
Health insurance is used to help pay for medical expenses so that if someone is injured or contracts and illness or disease, they will not suffer financially. Health insurance can be offered by government programs or by private companies. Health insurance plans are offered to individuals, families and groups (employees). A health insurance agent is trained to counsel clients in the different coverage and packages available. Health insurance agents sell these packages to the clients and conduct periodic reviews.

Health Insurance FAQs:
What is a health insurance deductible?
This is the amount that a policy holder must pay out of pocket for medical expenses. The health insurance company will pay the remaining balance. The deductible can be a yearly amount or on a per service basis. Usually the higher the deductible, the lower the premium will be.

Why does a person need health insurance?
Medical expenses can be very costly and can cause financial hardships. Health insurance pays a large portion or even the entire amount of medical services. This is especially important for families, as children tend to get sick more often than adults.

What should I be aware of when purchasing health insurance?
You should always read the terms and conditions and make sure that your insurance agent explains anything that you are unclear about. Also, make sure that the health insurance plan you have purchased is widely accepted by many physicians and hospitals.

What is the difference between a HMO and PPO?
HMO: you are able to choose your primary caregiver from a network of physicians. If you choose to seek medical assistance from a physician outside of the network, you will not receive coverage. If you need to see a specialist, you will require a referral.
PPO: You have the choice of choosing to see a general practitioner or a specialist. You do not need a referral. A PPO usually has a deductible and higher co-pay, but you have more flexibility.

What types of health insurance policies are there?
The types of policies are individual, family and group policies.

Health Insurance Related Terms:
health, life, medicine, prescription insurance, dental insurance, long-term care, hospital, hospital stay, surgery, deductible, co-pay, co-insurance, pre-existing conditions, HMO, PPO, policy, insurance policy, policy holder, disability, short term disability, long term disability, accidental death and dismemberment, premiums, claim, benefits.

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