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3 Étapes Pour Commencer à Faire des Gains

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How Health Insurance Works: Key Terms Explained Learn how health insurance works, from premiums to deductibles and coverage options. Get expert insights to choose the best plan for your needs. Health insurance can seem complex, especially with all the jargon involved. Understanding key terms will help you navigate policies, compare plans, and make informed healthcare decisions. This guide breaks down the essential terms you need to know when dealing with health insurance.

How Health Insurance Works

Health insurance is a financial safety net that helps cover medical expenses, reducing the burden of healthcare costs. It works through a system of premiums, deductibles, copayments, and coverage limits, ensuring policyholders receive necessary medical care while managing expenses.

Key Health Insurance Terms Explained

1. Premium

A monthly payment made to the insurance company to maintain coverage.
The amount varies depending on the plan, age, and health condition of the insured.

2. Deductible

The amount an insured individual must pay out-of-pocket before the insurance begins covering costs.
Higher deductibles often lead to lower premiums and vice versa.

3. Copayment (Copay)

A fixed amount paid for specific healthcare services (e.g., $20 per doctor visit).
Varies by plan and service type.

4. Coinsurance

The percentage of medical costs shared between the insured and the insurer after the deductible is met.
Example: If the coinsurance is 20%, the insured pays 20% of the bill while the insurer covers 80%.

5. Out-of-Pocket Maximum

The most an insured person will pay in a year before insurance covers 100% of the costs.
Includes deductibles, copayments, and coinsurance.

6. Network

A group of doctors, hospitals, and healthcare providers that have agreed to lower rates for insurance policyholders.
In-Network Providers: Offer lower costs and better coverage.
Out-of-Network Providers: Typically more expensive and may have limited coverage.

7. Formulary

A list of prescription drugs covered by the health insurance plan.
Different plans may have different formularies, impacting medication costs.

8. Pre-Existing Condition

Any medical condition diagnosed before obtaining insurance.
Some insurers impose waiting periods or exclusions for coverage.

9. Claim

A request submitted to an insurance company for payment of medical expenses.
Can be filed by healthcare providers or policyholders.

10. Health Maintenance Organization (HMO)

Requires using in-network providers and obtaining referrals for specialists.
Typically lower premiums and out-of-pocket costs.

11. Preferred Provider Organization (PPO)

Allows policyholders to visit both in-network and out-of-network providers without referrals.
Offers more flexibility but higher costs compared to HMO plans.

12. Exclusive Provider Organization (EPO)

Covers only in-network services except in emergencies.
Combines elements of both HMO and PPO plans.

13. Point of Service (POS) Plan

Requires referrals for specialist visits but allows some out-of-network care at a higher cost.
Balances cost savings and flexibility.

14. Essential Health Benefits

A set of healthcare services that insurance plans must cover, including:

Preventive care
Maternity and newborn care
Mental health services
Prescription drugs
Hospitalization

15. Health Savings Account (HSA)

A tax-advantaged savings account used for medical expenses.
Available with high-deductible health plans (HDHPs) and allows tax-free contributions.

16. Flexible Spending Account (FSA)

An employer-sponsored account where pre-tax dollars can be used for qualified medical expenses.
Funds must typically be used within the plan year.

Conclusion

Understanding these key health insurance terms can help you navigate the complexities of choosing and managing your healthcare coverage. Whether you're selecting a plan or reviewing an existing policy, knowing these terms ensures better decision-making and financial planning. Stay informed and choose a health insurance plan that best suits your needs and budget.