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health insurance for self employed in pennsylvania
What is the difference between a PPO and a POS plan? A POS plan has primary care physicians who coordinate patient care; and in most cases, PPO plans do not. But there are exceptions!
Premium: The amount you or your employer pays in exchange for insurance coverage.
Here is where Major Medical coverage enters the picture. Major Medical covers a broader range of medical expenses providing more complete coverage. Generally speaking, these more extensive types of policies fall into two categories: Comprehensive. This is the more traditional basic coverage and any other type of medical expenses are combined into a single policy. Supplemental. This coverage usually begins with a traditional basic policy. That coverage pays first and the major medical coverage is added to include expenses that are not covered by the basic policy.
Catastrophic coverage pays hospital and medical expenses above a certain deductible; this can provide additional protection if you hold either a hospital-surgical policy or a major medical policy with a lower-than-adequate lifetime limit. These policies typically contain a very high deductible ($15,000 or more) and a maximum lifetime limit high enough to cover the costs of catastrophic illness.
If you want to spark a spirited debate at your next social gathering, just try bringing up the subject of health insurance. You will undoubtedly set off a firestorm of opinions.
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