The health of Americans has continued to decline for decades causing a rise in insurance premiums. To combat this problem, businesses and insurance companies are implementing wellness programs offering incentives for employees to get healthy.
Navigating a health care plan can be complicated, especially when you're dealing with managed-care plans and provider networks. Learn about how managed health care companies treat non-network services.
Utilization review is a health insurance company's opportunity to review a request for medical treatment. The purpose of the review is to confirm that the plan provides coverage for your medical services.
Preferred provider organizations (PPOs) are the fastest-growing kind of health care plan. With more than 158 million Americans enrolled in a PPO this year, this plan has become the choice of more than half of all Americans with health insurance coverage.
Choosing the proper insurance plan is a huge decision. To find out what kind of coverage you need, and to avoid paying for what you don't, there are several questions you should carefully consider before you sign on the dotted line.
Thanks to advances in technology, more and more medical treatments are being made on an outpatient basis. But what qualifies as an outpatient service? How do they differ from inpatient benefits, and what does that mean for your insurance coverage?
A provider network is a list of physicians, hospitals and other providers that offer health care services to patients in a managed-care insurance plan. Managed-care plans are usually more affordable than other kinds of plans -- but they limit your freedom to choose your own doctors.
The whole point of having insurance is to protect yourself in case of an emergency, but you don't want to pay for coverage you don't need. If this sounds familiar, a catastrophic insurance policy might be right for you.
Flexible spending accounts are accounts in which you can deposit a portion of your pre-tax paycheck. If you use it wisely, an FSA can help offset your out-of-pocket medical expenses and pay for your monthly health insurance premiums.
If you have a medical or health savings account, you pay for your own health care expenses. But you do have a safety net -- a high-deductible health insurance policy that protects you from catastrophic medical expenses.