Annual check-ups are an important step to leading a healthy life. Ignoring health problems can turn a treatable medical condition into one that may require surgery or even hospitalization. Preventative measures can actually increase an entire population’s life expectancy rate.
People who are uninsured receive less medical care and less timely care. They get fewer preventive screenings and they are often the ones who experience the most health problems. Without proper screenings, cancers are likely to be diagnosed at a later stage when treatment isn’t as successful. Pregnant women who are uninsured receive less prenatal services than the insured. People with heart conditions who are uninsured are less likely to stay on medicine for high blood pressure than the insured. In addition, under PPACA, preventative services are available at no cost to the insured.
There are different types of medical insurance plans. An HMO (Health Maintenance Organization) is an insurance plan that includes doctor visits, hospital stays, surgery, emergency care, lab tests, therapy, and x-rays. In many cases a referral from your primary physician is required in order to see a specialist. Also in order for you to be covered, your physician must be in the HMO network.
A PPO (Preferred Provider Organization) also has a network of physicians. However, it also provides coverage for out-of-network doctors. Although, an in-network physician may cost less than an out-of-network physician. With most fee for service plans, a deductible must be met before you are able to receive coverage. Fee-for-service plans also may have a cap. This will limit the amount of money a person will have to pay each year. When the cap is reached, the insurance will provide full coverage for everything in the plan.