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health insurance individual
Hospital indemnity policies frequently are available directly from insurance companies by mail as well as through insurance agents. You will find that these policies offer many choices, so be sure to ask questions and find the right plan to meet your needs.
Federal law also makes it easier for you to get individual insurance under certain situations, including if you have left a job where you had group health insurance, or had another plan for more than 18 months without a break of more than 62 days.
Those who would like supplemental services may purchase them from the HMO only as an addition to the basic health care services that the HMO provides.Co-payments. HMO members may be charged only nominal amounts for basic services in additional to the original monthly payments. In some cases there may be no additional payments for services. All details are spelled out in a descriptive document which is known as either the certificate of coverage or evidence of coverage.
Provider: Any person (doctor, nurse, dentist) or institution (hospital or clinic) that provides medical care.
Specified or dread disease policies provide benefits only if you get the specific disease or group of diseases named in the policy. For example, a policy might cover only medical care for cancer. Because benefits are limited in amount, these policies are not a substitute for broad medical coverage. Nor are specified disease policies available in every state.
Eligibility and eligibility period. In an individual policy situation where each person is evaluated separately in terms of risk, the normal practice in a group situation is to include all eligible employees regardless of physical condition or age.
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