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How US health insurance work?

Healthcare in the United States can be very expensive. A single doctors office visit mein cost several hundred dollars and an average 3 day hospital stay can run tens of thousands of dollars depending on the type of care provided.

Most of us cold not referred to pay such large sums if we get sick especially since we don't know when we might become ill or injured for how much care we might need.




The way it typically works is that the consumer pays un up front premium to a health insurance company and that payment allows you to share risk with lots of other people who are making similar payments. Since most people are healthy most of the time the premium dollars paid to the insurance company can be used to cover the expenses of the small number of enrollees who get sick for our injured. Insurance companies as you can imagine have studies risk extensively and their goal is to collect in org premium to cover medical cost of the enrollees.




One way ticket health insurance plans control their costs is to influence access two providers providers include physicians, hospitals, laboratories, pharmacies and other entities. Many insurance companies contract with specified network of providers that has agreed to supply service to plan to enrollees.

If a provider is not enough Lance network the insurance company may not pay for the services provided for may a smaller portions then it would for in-network care. This means in really goes outside of the network for care may be required to pay a much higher share of the cost.




One of the think healthcare reform has done in the US. Is 2 to introduce more standard digestion benefits offered varied drastically from plan to plan. For example some plants covered prescriptions other did not. Now plans in the US are required to offer a number of essential health benefits which include...

* Emergency services

* Hospitalization

* Laboratory tests

* Maternity and newborn care

* Mental health and substance abusetreatment

* Pediatrics services including dental and vision care

* Prescription drugs




Understanding what insurance coverage costs is actually quite complicated. In our overview we talk about paying a premium to enroll in your plan. This is an OP front cost that is transparent to you.

Unfortunately for most plans this is not the only cost associated with the care you receive. there is also typically cost when you access care.




In some instances insurance company might not pay anything towards covid benefit. For example if a patient has not yet met an annual deductible of $1000 and the cost of the covid health service provided is 400 dollar, the patient will need to pay the $400. What makes this service is there the cost counts towards the annual deductible show only $600 world remained to be paid by the patient for future services before the insurance company starts to pay its share.

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