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Health insurance is a type of insurance that protects you from paying the full costs of medical services when you’re injured or sick. Each insurance plan is different, but you can usually find a plan to cover preventive care, like doctor visits and screenings, as well as hospital visits, ER trips, and even prescription drugs. Some plans cover vision and dental, but you may need to purchase these plans separately. Many factors contribute to the construction of individual health insurance premiums, including: age and sex of the adult applicants; the geographic location of the residence of the applicants; the desired deductible and coinsurance levels; and the availability of any managed care options such as incentives for the use of Preferred Provider Organization (PPO) providers.
When you choose a Preferred Provider Organization (PPO) plan, members can receive care from any provider, either in- or out-of-network, without a referral. When you choose a Health Maintenance Organization (HMO) plan, you are choosing to work with a primary care physician (PCP) to coordinate your care through in-network providers. A referral written by your PCP is often required when visiting a specialist for the services to be covered.
Health insurance can be sold solely to an individual, dependant child or a family. Generally, persons who need individual policies are self-employed and not eligible for group coverage, unemployed persons, those whose benefits have been exhausted under a state or federal health insurance continuation plan, or employees of companies that offer no medical benefits.