But with permanent Health insurance policy you and your family can rest assured.

What is Health Insurance

Health insurance is a type of insurance whereby the insurer pays the medical costs of the insured if the insured becomes sick due to covered causes, or due to accidents. The insurer may be a private organization or a government agency. Market-based health care systems such as that in the United States rely primarily on private Health insurance .

There are several Health insurance plans which offer quality coverage designed for kids, individuals and families in all stages and phases of life. As health care reform continues to change the insurance landscape, they're tailored to meet today's challenges, respond quickly to industry demands and bring new thoughts to the marketplace.

The rising cost of medical care and the resulting pressure on Health insurance premiums makes health insurance top precedency if you want to have your health expenses covered at a reasonable cost. The current health insurance system is quite complicated

and constantly changing but the following information may be of help.

Kinds of Health Insurance:

There are essentially two kinds of heath insurance:

Fee-for-Service and Managed Care. Although both of these plans differ, they both cover a range of medical, surgical and hospital expenses. Most cover prescription drugs and some also offer dental coverage.

Fee-for-Service:

These plans generally assume that the medical professional will be paid a fee for each service provided to the patient. Patients are seen by a doctor of their choice and the claim is filed by either the medical provider or the patient.

Managed Care:

Various plans work differently and can include: health maintenance organizations (HM0s), preferred provider organizations (PPOs) and point-of-service (POS) plans. These plans provide comprehensive health services to their members and offer financial incentives to patients who use the providers in the plan.

Before picking up a health care plan check if your employer gives you a choice of plans or you need to purchase your own coverage, it is crucial that you understand your health insurance choices and pick the insurance that is best for you and your family.

Here are some questions you should ask yourself when choosing a health insurance plan:

How affordable is the cost of care

1) What is the monthly premium I will have to pay

2) Should I try to insure most of my medical expenses or just the large ones

3) What deductibles will I have to pay out-of-pocket before insurance starts to reimburse me

4) After Ive met my deductible, what percentages of my medical expenses are reimbursed

5) How much less am I reimbursed if I use doctors outside the insurance company network

Does the insurance plan cover the services I am likely to use

1) Are the doctors, hospitals, laboratories and other medical providers that I use in the insurance company network

2) If I want to use a doctor outside the network, will the plan permit it

3) How easily can I change primary-care physicians if I want to

4) Do I need to get permission before I see a medical specialist

Benefits of Health Insurance

The main benefits of choosing private health insurance are:

Choice of public and private hospital systems and bed type (semi-private or private) available

Choice of consultant for most treatments

Relatively affordable premiums with tax relief of 20 per cent

Knowledge that premiums will not increase if you make a claim

plans that pay towards day-to-day outpatient expenses such as GP fees, consultant visits, physiotherapy or indeed some forms of alternative medicine

Choice of other preferential product offerings and services for members, such as reduced cost dental insurance (VHI), access to healthcare help lines and reduced cost annual travel insurance

To keep your medical condition under control, remember AIM:

Aim to keep a record of your condition.

Increase your knowledge about the condition.

Make every effort to see your doctor regularly and follow his advice.

Just like other forms of insurance, for your car and your home, health insurance helps relieve the burden of unexpected events: you put away a little in case you need a lot later. You and your family's health should be of the highest priority.

Every year, the cost of healthcare increases dramatically. Simple same-day surgeries, required tests and emergency attention can add up to thousands of monies or more.

The overall benefits of health insurance are obvious. You won't be avoiding the doctor because it costs too much. The hospital bills won't be lying upon your desk waiting for attention. Your health insurance will provide the help and care you need. Also, if you drive a car, health insurance will work hand to hand with your auto insurance in case of an accident.

There are many health insurance companies available, offering various types of plans.

If you don't have health insurance right now, you should seriously consider purchasing it as soon as possible. No one can predict the future--you don't know when you might suffer an accident or become seriously ill. Health insurance can help to protect you against financial ruin.

So, you can take charge of your health yourself and lead a fulfilling life and be assured for the rest of your life.