Drop down options:

1. would restrict or even exclude coverage thats important to you, wouldnt apply if you just want something simple

2. married with a family, single with dependents, single with no dependents

3. 18, 24, 26

4. allows, does not allow

5. pay the premium, never make a claim

6. group, individual

7. benefits, draw backs

8. prevents, allows

9. higher, lower

10. maternity clothes, sick leave

11. liberal, restrictive

12. doesnt cover any costs associated with pregnancy or abortion, covers medical costs arising from pregnancy or an abortion but not the routine procedural expenses

13. bottom, top, middle

14. same, less, more

15. is disabled as a result, independently achieves full recovery

16. 18,6,12

17. dont bad mouth the company, pay the premiums on time

18. have, do not have

Alison purchases health insurance coverage for herself and her spouse. This is an example of insurance plan. an individual d, but in different ways. The following Indemnity, or fee-for-service, plans and managed care plans cover medical expenses if you a questions examine the general differences between the two plans. a group Taking a closer look at how these plans provide coverage will help you begin to customize a health care plan that best suits your requirements. Select the plan that most closely matches each given description. Indemnity plan Managed care plan the plan's covered medical Out-of-pocket costs generally include the plan's deductible and 20% expenses O Insureds are subject to an annual deductible More likely to cover preventative and routine care O Usually lower premiums Tolo The premium represents a prepayment for one's own health care Now that you've taken a closer look at the differences between these types of plans, consider the following statements. Each indicates common preferences and situations. Select the type of plan to which each statement most closely aligns. Indemnity plan Managed care plan I'd prefer to pay small copay rather than a larger deductible. My family history strongly suggests I'll suffer serious and perhaps unique illnesses as I age. 0 I prefer the flexibility of increasing or decreasing the size of my deductible to influence the cost of my Indemnity plan Managed care plan I'd prefer to pay a small copay rather than a larger deductible. My family history strongly suggests I'll suffer serious and perhaps unique illnesses as I age. I prefer the flexibility of increasing or decreasing the size of my deductible to influence the cost of my health care insurance. There are several types of managed care plans, including group health maintenance organizations (group HMOs), individual practice associations HMO (IPA HMOs) preferred provider organizations (PPOs), exclusive provider organizations (EPOs), and point-of-service (POS) plans. Deciding which particular type of practice would best meet your needs requires knowing the major characteristics of each. Identify the particular form of private health care organization or plan described by the following three clues. Clue #1: I can receive medical services from both in-network and out-of-network doctors and hospitals. Clue #2: I will incur 100% of the costs of any medical services obtained from out-of-network providers. Clue #3: I am interested in purchasing some form of a managed care plan. The organization or plan being described is O a group HMO O a POS plan O an EPO O a Blue Cross/Blue Shield plan When shopping for a health insurance plan, find out about different plans' contract provisions, in case they Persons and places covered . The most recent health reform act allows young adults to You have a named-insured policy. You are most likely remain on their parents' insurance until they are years old. Cancellation The most protective plan is one that an insurer to cancel your coverage as long as you Preexisting conditions If you need a new insurance plan and have a chronic condition, continued coverage for that condition is more likely under plan. For individuals, one of the of the Affordable Care Act is that it exclusion from coverage for preexisting conditions. This new provision could cause premiums. Pregnancy and abortion is considered The A plan that covers all medical expenses related to pregnancy and abortion, including most restrictive policy Mental illness Mental illness is of the list of sicknesses requiring long-term hospitalization. Many health insurance policies coverage for mental illness than other sicknesses. provide Rehabilitation coverage After a serious injury, a plan that includes rehabilitation coverage would be most helpful for a patient who Continuation of group coverage (COBRA) Except in the case of dismissal from a job for gross misconduct, this provision allows former employees to remain covered under their group plans from work for up to months after termination as long as they . After COBRA expires, most insureds the opportunity to convert the group policy to an individual policy