What is short-term health insurance?

Short-term health insurance plans provides coverage for a limited period of time. Usually short-term plans offer coverage up to six months, although some plans may offer coverage up to 12 months. This is a good solution for people between jobs or those waiting for other health insurance to start. If you think you’ll need coverage for a longer period of time, you may want to look at a standard, longer-term health insurance option like our individual and family health insurance plans. The application process for short-term health insurance is usually simpler than standard, longer-term health insurance. Short-term health insurance plans […]

Read more »

What are Preferred and Non Preferred providers for a PPO plan?

PPO is a network of physicians that have agreed, by contract, to discount their rates for the respective PPO members. These physicians, specialists are known as preferred providers, and PPO members are free to see any of them, without any reference from their primary physicians. PPO members may also see non-contracted providers, these are known as non preferred providers. The co-payment fee for seeing a non preferred provider is generally higher than the preferred providers.

Read more »

What is difference between Urgent Care and Emergency Services?

Taking appointment for any ailment is a time taking process, hence every hospital provides urgent care and emergency care services. These are the quick medical care services provided by almost all medical centers. Emergency services are those services required as a result of unforeseen injuries or acute illness, for which a delay in treatment would result in a permanent physical impairment, or loss of life. Such as heart attacks, strokes, poisonings, sudden inability to breathe etc. Urgent care includes less serious medical conditions which require immediate attention. Such as fever, fractured bone, any cuts which require immediate attention, etc.

Read more »

What is a Chart Number?

The cost for both alternatives will remain the same, in other words there will be no price differentialThis is a number given to each patient, it refers to a file which has all the records of your prior tests, ailments, etc. This number makes it easy for the person at the reception to make your future appointments and is also a reference for your doctor. One has to always provide his/her chart number whenever you call or visit a doctor.

Read more »

What is a PPO?

PPO – Preferred Provider Organization. PPO allows patients to see a specialist without a referral from a Primary Care Physician. PPOs usually have a wider range of doctors to choose from when compared to HMOs. The direct access to specialists is good for people who have chronic illness, or in case of urgent care and emergencies. Patients can get appointments with their preferred specialists as and when required. Usually, a PPO will pay a greater percentage of the cost for a preferred provider and less for a non-preferred provider. Advantages of PPO: Patient can visit any doctor and hospital. They […]

Read more »

What is a HMO?

HMO stands for Health Maintenance Organization. HMO is a company that offers health plans, that provides medical care from an approved network of doctors, hospitals, and pharmacies. The patient needs to pay a preset minimum fee per visit. The HMO fees are usually lower than PPO (Preferred Provider Organizations). The advantages of HMO: No or very low deductibles Comprehensive benefits Preventive care is often good The disadvantages of HMO: HMO plan includes only a particular chain of hospitals and doctors The patient must see doctors within the network The patient must get permission from the primary physician to see a […]

Read more »