In America, the health insurance could be paid more attention by people in public. Because the health insurance could provide some benefits and bonus with patients so as to reduce the burden of expenditure on medical treatment. In America, the health insurance company will make different various of insurance plans for insurance personnel according to treatment types. When people in America fail to pay higher medical fee but are suffering from the sickness’ pains, they will take the health insurance into account from health insurance organization.

When you work in an enterprise, the company is responsible of insurance payment. In case of a serious disease or an unpredictable accident, you could enjoy the benefits from the health insurance in accordance with COBRA. For example, someone who will get a risk of debit or loan without healthcare coverage due to the higher cost of healthcare, surgery and treatment hospitalization fees. The unexpected fee of import drugs often leads family members to give a good treatment plan up.

The old man in America who loss of labor capacity or unemployment could prevent the high medical expenses from unnecessary medical projects. If you pay the $500 in the specified service and then the insurance would help you to deduct certain expenses. According to different types of payment plan, the insurance could pay 40%-60&% medical fees. The deductibles, coinsurance, and copayments play an essential part in the balance of individual expenses and insurance claims.

The health insurance is a kind of self-investments and financial managements. The insurance company should bear all the claims for damages, car maintenance fees when the car is in an accident. Relatively speaking, it means that health insurance could also bear the medical fees and reduce costs, prevent your property from running behind your expenses. The health insurance is immediately effective and could make a quick response when you go to hospital for treatment.

How could we choose the type of health insurance? Firstly, you could choose to pay the insurance fee per month. Actually the monthly insurance fee will be calculated into your personal medical account for further treatment. The insurance company will make good use of the insurance fee in accident, treatment and healthcare, etc.

The insurance company has suggested that you could pay expenses until the deductible standard is reached. Every time, you need to pay the specified amount of insurance fee such as $20-$100 prescription fee for the deduction. Next year, the government will make some adjustments on the medical fee in accordance with the percentage of deductible. If the doctor perform an operation on you, the insurance will pay some fees to assist to the medical treatment. The percentage of hospitalization will also be taken into account from the perspective of coinsurance.

The insurance company announced that the out of pocket expenses cannot exceed the maximum amount adjusted annually. The insured personnel will go to hospital or choose a doctor’s visit according to the state of illness. Someone would hope to pay a higher insurance fee for the lower coinsurance percentage every month. At the same time, the healthy people would like to pay more medical fees to obtain the lower premium.

（Writer：Hoock）