The Health Insurance Marketplace, or Health Insurance Exchange, is a federal government website where you can search, compare and buy plans offered by participating health insurance companies in your area. A hospital that has not contracted with a particular health plan to provide hospital services to members of that plan. In a five-year plan, for example, insurers would find it more attractive to invest in services with long-term benefits. Health coverage for a primary insured (called a subscriber) and his or her spouse and any eligible dependents.
The income level of an individual or household, issued annually, used by the Department of Health and Human Services to determine eligibility for certain programmes and benefits. Routine health care that includes check-ups, screenings and patient counseling to prevent illness, disease or other health problems. A customer service representative will be able to tell you when your current coverage expires, as well as answer any other questions you may have about your health insurance policy. However, if available where you live, short-term plans can provide the security of health coverage and offer protection against catastrophic and unexpected health emergencies.
You will have the same plan options as during the open enrollment period, such as plans that are compatible with co-payments and health savings accounts (HSAs). A type of health plan that provides health care coverage to its members through a network of doctors, hospitals and other health care providers. The process by which a plan member or his or her physician obtains approval from his or her health plan before the member undergoes a course of care, such as a hospital admission or a complex diagnostic test. The ability to switch health plans when ill could exacerbate the problem of self-selection in the insurance market, as the public exchanges allow only limited risk adjustment based on factors such as age, family composition, rating area and tobacco use.
The group of doctors, hospitals and other health professionals that contracts with a health plan to provide medical services to its members. A health plan that provides services at a higher level of benefits when members use contracted health care providers. If your employment has ended (not for cause) and you have been in your job's health plan for at least 3 months in a row, you and your family may choose to remain covered by a state health plan for an additional 12 months. This way, when a member needs funds for health care, they can use the pooled money to help cover the costs.