Health Care Insurance

Hospitals and clinics are very different from other enviroments hence the need to understand the characteristics, similarities and differences between the different types of health care insurance. The five major types include, preferred provider organization, health maintenance organization, point of service health insurance plan, exclusive provider organization and indemnity health insurance plan.

Each of the insurance plan has several characteristics that ensure that central business office is up to date on all rules and regulations. The preferred provider organization encourages the use of a network of doctors and hospitals of preference. It is a good option for a small business if the employees need flexibility and in choosing physicians and other providers. (Niemann, 2018). In health maintenance organization, one is required to choose primary care physician that takes care of most of healthcare needs. It is a better option if there is need of preventive care services (ehealth insuarance, 2018).

The different types of health insuarance plans vary according to the level of benefits they offer .The levels are classified into bronze, as the least coverage,  silver, gold and platinum as the highest. Another difference between the plans is the set share of costs an average person enrolls. In addition, the amount one pays before a plan picks up vary according to the plan, with the least expensive carrying the highest deductible (WebMD, 2018).

It is important to understand the differences between the types of plans so as to know which plan to choose under what circumstance. An example, in health maintenance organization, one has to choose one primary doctor which makes it more limited than the preferred provider plan which encourages the use of a network of doctors. (Gordon, 2018). Another need is to know which are  the primary and secondary health plans. This means that one claims with their primary plan first, and the secondary plan picks up tab of anything that the primary plan does not cover  (Danise, 2014).

Despite the differences between the insurance care plans, there are also similarities between them. Some of them include lack of referral need, inclusion of spinal manipulation, they all require a health savings account, a flexible spending account  and they also allow coinsuarance (OptimaHealth, 2018).

The insurance care plans and their characteristics make sure that the central business office is up to date. Unfortunately, out of date policies are common which leads affects the facilities reinbursement. Although the updating procedure can be time consuming and tedious, physicians should use CPT codes that are effective for the date of service in order to maintain a consistent reinbursement (hills, 2011).

Referrences

ehealth insuarance. (2018). Retrieved January Monday, 2019, from www.ehealthinsuarance: Https://www.ehealthinsuarance.com

OptimaHealth. (2018). Retrieved January Monday, 2019, from www.optimahealth.com: Https://www.optimahealth.com

WebMD. (2018). Retrieved January Monday, 2019, from www.webmd.com: Https://www.webmd.com

Danise, A. (2014, June). Health. Retrieved January Monday, 2019, from www.insure.com: Https://www.insure.com

ehealth. (n.d.). Retrieved January Monday, 2019, from www.ehealthinsuarance.com: Https://www.ehealthinsuarance.com

Gordon, W. (2018). life hacker. Retrieved January Monday, 2019, from www.google.com: Https://www.google.com

Niemann, S. (2018, November 9). Peoplekeep. Retrieved January Monday, 2019, from www.peoplekeep.com: Https://www.peoplekeep.com

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