Free Insurance Information

There are two basic types of health insurance: indemnity plans and managed care.

Indemnity health insurance, also called "fee-for-service" - generally gives you greater freedom and flexibility than managed care. However, you'll pay more out of pocket for the health care you get. With indemnity health insurance coverage, you can choose any doctor, hospital, laboratory, or other medical provider.

Insurance costs a lot but having none costs more.
There are sensible ways to save money on health insurance, but skipping coverage isn't one of them. Medical bills from even a minor car accident can deplete your savings - a major illness can push you into bankruptcy.

If your employer offers health insurance, grab it.
Group health insurance coverage, particularly when it's employer-subsidized, is almost always a better deal than anything you can get on your own, even if you're young and healthy. If you are not young and healthy, it's definitely a better deal.

Within the context of an ongoing recession, U.S. employers should expect to see an increase of 7 percent in their medical benefit expenditures during the year 2010. According to new data released from a survey by Towers Perrin, both employers and employees will experience the growing effect of continuing cost increases along with the current economic climate, all of which is creating significant affordability challenges.

Health insurance is becoming more and more complicated. Here are some of the things you need to understand about health insurance.

Primary Care Physician
The doctor in your HMO network who coordinate the member's medical care. Your primary care physician provides you with routine medical care and will refer you to a specialist when necessary. In other words, your personal doctor.

Health Care Provider. A doctor, hospital, laboratory, nurse or anyone else who treats you for a medical or health condition.