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Managed Care: Ways to manage costs, use, and quality of the health care system. All HMOs and PPOs, and many fee-for-service plans, have managed care.
Agents and brokers also provide service on the policies they have sold, and can help you process claims or with anything else you need regarding your policy. The insurance companies for which agents and brokers sell coverage pay them a commission for their work, so you will not be charged a direct fee if you want to use the services of an agent or broker. You can find agents and brokers who sell individual coverage via the Internet, or you may prefer to consult with one in person. To find an NAHU member near you who can help you purchase individual insurance coverage, use our agent locator.
Accidental loss of life and accidental loss of one or more limbs or eyesight is another common type.
Disability resulting from accident or sickness (sometimes this can also be referred to as “loss of income” or “loss of time”.
Accident Policies. Some policies cover only accidents and not illness. As you might imagine, policies like this are very specific about what is considered an accident. It is important to understand what is defined as an accident as it pertains to the health insurance industry. . .an accident is an event that is unforeseen and unintended.
In most cases, if an employer discontinues group insurance, employees must be given the opportunity to convert to individual insurance without a medical exam.
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