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How Health Insurance Works?
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[QUOTE="Odunsi, post: 183, member: 15"] You pay a fixed amount each month, called a premium for health insurance policy coverage. You become a member of plan, that shares the expense of medical services required by the members of the plan. Every single member pays “in the event” they need care. In return, you will not have to pay the true expense of care any time you need it, which could high if you pay it all on your own. Irrespective of which plan you select, you will pay a every month payment (premium ) to help keep your health insurance coverage. You may also pay whenever you get medical care. Usually, the more you pay each month (premium), the cheaper your deductibles and out-of-pocket costs. Whenever you are looking at medical insurance plans, the most important differences happen to be in the services they cover and how much they will pay for all those services. With some plans, you will pay a specific amount of money when you have a service - this is known as co-payment or coinsurance, based on your plan. In case you have a deductible, that is the amount you will need to pay for covered services before the insurance will begin paying. Usually, you will pay for part of your current health care services until you have paid the “out of pocket maximum.” Afterward, the health insurance will pays for covered costs. [B]When can I enroll?[/B] Usually, you may join only during an open registration period. If you are between open enrollment periods, you may be qualified for special enrollment. Have a look at birth of a baby,change of address, and much more - to verify if this option may work for you. One more choice might be Short Term Health Insurance, that may bridge a gap in coverage till the next open enrollment period. [/QUOTE]
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