In 1960 HIP got health maintenance organization (HMO) certificate thereafter introducing very first comprehensive physician peer review programs in the United States. In 1980 it started to provide POS (point-of-sale) products and created a a Medicare Choice HMO product. Thereafter in 1990, HIP included private practice physicians and again in the year 2002, it launched HIP Select, PPO Select, EPO Select, HIP Classic and HMO Select plans.

HIP got more than 1.4 million members and it's spread over 57,000 locations with 39,000 physicians throughout a network that includes New York, Connecticut, and Massachusetts. Along with traditional health insurance policies HIP has a variety of other medical programs like acupuncture and yoga, pastoral care programs etc. It's dental program offers in and out of network services with access to wide range of dental services through its plans. Unique feature of HIP is that if offers full coverage for most of in network health services, without any deductible or paperwork. Along with this it also

has low premium and preventive care options like OB/GYN coverage without referrals.

Hospital charges are increasing at such a rate, it's not possible for everyone to afford them. But he or she need not compromise in getting quality health service. In a way our health management is nothing but where we reduce medical expenses.

In an insurance plan, insurer is bound to pay our medical expenses whenever we are sick. We should also keep in mind that that insurer need not pay for particular set of diseases, where he need to exclude them from purview of their health insurance services. We can find this well before applying for plan, and in their company's policy statement.

It's worthwhile for one to know about premium costs, and also whether there are chances of getting low premium if he or she goes for a good group insurance plans. They need to know well whats insurer promises to cover in their services. One has to find if medical costs cover even without prescription, care out of hospital, and also whether there's any limit for paying out these charges by our insurer. There will be a time period for our policy to come into affect, and how many days varies from company to company. As we know company will have its restrictions, and won't cover every thing. For some diseases we can't claim expenses. Along with it percentage of medical bills we ought to pay is also vital in our plan to get suitable medical insurance for us. We should also find out whether company will pay our expenses, whenever we tend to go out of state and what if when we travel out of country So we need to find a lot, and be at ease while choosing a plan for our family members and us.

Our health is most precious wealth one can ever have. Sound health is really important for one to do better. At the same time we can't foresee when and how we may fall ill. Health insurance guards us against dreaded diseases or health hazards that may strike us anytime.

With group health insurance, a company assures its employees to safeguard their health along with all their family members also. Group health insurance goes a long way for company's success also. With this company provides comprehensive benefits to its workers, and group plans premium costs are distributed among all those who are covered in plan. So, with this plan workers can take advantage of wide range of services offered. Group insurance plan brings down risk of number of workers who are sick and on leave. It will be good for companys progress also and it increases its productivity levels. At times premiums in-group health insurance plans get tax benefits also.

Group health plans play a good role for betterment of individuals as well as company. It makes them work to their potential and with efficiency. Now that health care costs are increasing day by day, even an ordinary visit to a doctor hurts one. So they may also try to avoid going to doctor which leads for his or her ill health. So with group health plan company supports when they are unwell, and also workers can breath easy in a healthy working atmosphere.

Coming to small business employee conditions, if one falls ill, it affects company a lot. So, small units must have group health insurance. When workers are doing well, and are healthy, they can deliver much better. So purchasing small business health ensures their safety and ensures their family members health also. Not long ago premium costs for small health insurance are out of reach for low salaried workers, but it has changed a lot and these days we can find affordable plans in the market. So, before we choose a plan we need to make sure that we take good time to find a quote available in the market. Hastiness does more harm than anything else.

Now coming to individual insurance is for bachelors or individuals who are working away or even for students who are studying at another place. Where as group health insurance is for employees and his or her family members. If one comes into the basket of group health insurance then his or her family members will come into coverage automatically. Premium with group insurance will always be less as it depends on all members and not just one individual. There are companies offering services in particular states, according to the needs of consumers in that particular state.

Everyone needs health care, and they have every right to get the care they need. It's just like compulsory education for all children, why not compulsory insurance for every citizen. There are reservations regarding costs and funding from government though.