Health insurance is basically a system that helps defray the cost of medical services incurred by individuals and families. Government agencies, private business and other organizations protect people against the risk of medical expenses by offering them insurance policies for a monthly fee. Affordable health insurance refers to programs or initiatives that enable people to be able to afford such coverage.
As health care costs rise, so does the cost of health insurance. In fact, both are rising faster than inflation and wages. According to research by the Kaiser Family Foundation, between 2000 and 2006 alone, health care premiums increased 87%, compared to a 3.8% increase in wages and 3.5% increase in the inflation rate. While most Americans - 84% - do have health insurance, 60% of it is provided through employers.
Currently, it is estimated that over 47 million people in the United States do not have health insurance. About 24% represent those who lost their insurance because they lost their jobs and cannot afford to purchase their own policies.
As health care costs rise, so does the cost of health insurance. In fact, both are rising faster than inflation and wages. According to research by the Kaiser Family Foundation, between 2000 and 2006 alone, health care premiums increased 87%, compared to a 3.8% increase in wages and 3.5% increase in the inflation rate. While most Americans - 84% - do have health insurance, 60% of it is provided through employers.
Currently, it is estimated that over 47 million people in the United States do not have health insurance. About 24% represent those who lost their insurance because they lost their jobs and cannot afford to purchase their own policies.
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We are a small non-partisan organization comprised of researchers, journalists, and contributors that supply and document relevant content about health care.
Because we believe that many are either uninformed or misinformed, our goal is to educate insured and uninsured Americans about how to obtain reasonable coverage, how to avoid the scams, and how to stay in-the-know.
Based in several different areas, our organization is the only one of its kind.
We are not a healthcare company, nor a publication; We are simply a content network with the mission of bringing valuable information to the forefront that is otherwise buried in some obscure area that people will never see.
Because we believe that many are either uninformed or misinformed, our goal is to educate insured and uninsured Americans about how to obtain reasonable coverage, how to avoid the scams, and how to stay in-the-know.
Based in several different areas, our organization is the only one of its kind.
We are not a healthcare company, nor a publication; We are simply a content network with the mission of bringing valuable information to the forefront that is otherwise buried in some obscure area that people will never see.
Insurance companies establish their fees by estimating overall health care costs for a specific sector of the population.
This includes the cost of primary care, secondary care, tertiary care, and quaternary care.
Primary care represents the bulk of the cost and includes the initial health care services provided by family physicians or general practitioners.
Secondary care includes the services provided by medical specialists as well as acute care provided in emergency rooms.
Tertiary care is specialized health care such as cancer treatment, neurosurgery and plastic surgery.
This includes the cost of primary care, secondary care, tertiary care, and quaternary care.
Primary care represents the bulk of the cost and includes the initial health care services provided by family physicians or general practitioners.
Secondary care includes the services provided by medical specialists as well as acute care provided in emergency rooms.
Tertiary care is specialized health care such as cancer treatment, neurosurgery and plastic surgery.
Benefit: The total amount of money payable by the insurance company to a claimant, assignee, or beneficiary when the insured suffers a loss.
Case Management: a comprehensive system embraced by employers and insurance companies to ensure that individuals receive services when a claim is filed.
Claim: A request by an individual or their provider to the insurance company for the insurance company to pay for the medical services provided by a doctor, practitioner or hospital.
Depending on the insurance company, a claim can be filed before or after the serviecs are provided.
Case Management: a comprehensive system embraced by employers and insurance companies to ensure that individuals receive services when a claim is filed.
Claim: A request by an individual or their provider to the insurance company for the insurance company to pay for the medical services provided by a doctor, practitioner or hospital.
Depending on the insurance company, a claim can be filed before or after the serviecs are provided.
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