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Was the first health insurance plans in the US were provided by the federal government?
Depends on how you define a "health insurance plan". In a sense, General George Washington had the first health insurance plan that was provided by the federal government. When he become injured or ill, the federal government funded his treatment.
Does Obama have a 401k plan?
The president, and all members of congress, have their own health plan. It is called the Federal Employees Health Benefits Program. It is paid for by the government, and has been available to federal employees since 1960.
Who do enrollees obtain services from within a network of physicians and hospitals who have contracted with an insurance company?
Generally, members of a health plan are free to choose the provider that they wish to use when the provider is within the network. Keep in mind that it is the medical provider who/that is furnishing the services--not the network. The network is a separate commercial entity with which the health plan contracts. Again, generally, an enrollee may go "out of network" in certain cases. This means that the health plan will pay for care despite the fact that the provider is not a member of the network. Often, the insurer will pay an "in-network" rate of reimbursement when there is no provider in the network who can provide the needed services--so the member has no alternative but to go out of network. The health plan will probably also provide that it will pay a lower rate of reimbursement if the member goes out of network by choice--when there is a network provider but the member opts not to use him.her.
What is univerisal health care?
Universal health care is when health care is provided by the Federal Government. Everyone is covered, but not necissarily with a good plan.
Need Individual Health Plan. I have an individual plan Does your insurer have to extend coverage to your adult child?
This is an interesting question because lots of consumers confuse an individual health plan with a family health plan. However, there is no provision in federal law for extending coverage to a young adult under an individual plan.
Is Tricare Prime considered a group health insurance plan or an individual health insurance plan for retired military?
Tricare Prime is not a "stand alone" plan. Tricare Prime is TRICARE Prime Supplemental Insurance Plan de¬signed to help pay your cost share and copayments under TRICARE (In-Network and Out-of-Network expenses). It was modeled as an HMO. Your Tricare Standard/Extra Plan is the base coverage.
Does congress have to use the health care plan that they are passing?
Congress is on the Federal Employees Health Benefit Program, which you can read about at http://www.opm.gov/INSURE/HEALTH/. It's pretty decent.
What is pos health insurance?
POS health insurance is like a mix between a PPO plan and an HMO. A POS insurance plan has a network of providers which you must use, all centered around your chosen primary care physician.
What is a PPN insurance plan?
Following the success of Preferred Provider Network (PPN) of hospitals to provide cashless transaction for health insurancepolicyholders
Ex husbands health insurance doesn't cover current doctor for child must I use approved providers?
It depends on the type of health plan your ex has:If the plan is an HMO, then most likely it will not cover treatment if the treatment (or office visit or check-up) is provided by a doctor who is not in the HMO's network. HMOs may make exceptions for emergency treatment, but they'll be pretty strict about what they consider an "emergency" to be.If the plan is a PPO, then it may provide some level of coverage - often, PPOs provide better coverage if you use doctors in their network, and a reduced level of coverage if you use doctors who are not in their network.But health plans are complicated, and there are exceptions and exclusions that will affect what your ex's plan will cover. Your best bet is to ask your ex for a copy of the health plan's SPD (summary plan description) - it should explain how the health plan works. Or, you may have an insurance card for your child - you could call the phone number that's probably on the back of the insurance card and ask how the plan works.
What are the advantages of PPO health insurance?
For most people the main advantage of PPO health insurance is options. A PPO plan offers you the opportunity to use any in-network provider without a referral. Because of this you can go see any particular doctor in your network without having to get approval from another doctor or your insurance company first. This is really the only advantage for a PPO as compared to any other health insurance plan.
How does an HMO health insuance plan work?
"An HMO health insurance plan requires you to choose a primary care provider from doctors within your network. You will see this doctor for typical health issues. If you need to see a specialist of any kind, you must receive a referral from your primary care doctor to be covered by insurance."
