What is health insurance?


    Health insurance is a type of insurance cover that covers the costs of medical and surgical expenses for the insured. Depending on the type of health insurance coverage, whether the insured pays the costs of his pocket and then is reimbursed, or the insured will make payments directly to the provider.

   Health insurance policies In other countries, such as the United States, health insurance coverage is seen to be somewhat different – with the exception of certain groups, such as the elderly and / or disabled, veterans and others, the individual has an insurance responsibility. More recently, the Obama administration has introduced laws that make it necessary for everyone to have access to health insurance, and there are penalties for those who do not have a policy of some kind.

    In countries where there is no comprehensive coverage of health care, such as the United States of America, health insurance is usually included in employers’ benefit groups and is viewed as employment. Is health insurance coverage a human right or another product that can be purchased? In some countries, such as the United Kingdom or Canada, the state provides health care coverage and is seen as a right for every citizen – classified alongside public education, police, firefighters, street lighting and public road networks, part of the nation’s public service .

   Diabetes management – Researchers at the Kaiser Permanent Center for Health Research in Portland, Oregon, found that diabetics need continuous health insurance coverage for the long-term sound management of their illness.

   Everyone at some time in their lives, often on many occasions, will need some kind of medical care and treatment. When medical care is required, ideally the patient must be able to focus on getting better, rather than asking if he ,she has got the resources to pay for all the bills. This view has become more common in almost all developed countries.

   Children in the United States with private insurance are much more likely to be a primary care physician in America compared with those who have general insurance or no insurance at all, according to a study conducted by researchers at Children’s Hospital, Boston. The levels of treatment in emergency departments vary widely, depending on the type of health insurance they have, the researchers said.

  The 2011 Commonwealth Fund report reported that 26 per cent of all working-age Americans had a gap in health insurance coverage; many lost health insurance when they became unemployed or changed jobs.

  Americans with long-term or serious illnesses are least able to pay their medical bills among the world’s leading developed countries, according to an international survey of the Commonwealth Fund in November 2011.

  According to the eHealth survey conducted in 2010, average monthly premiums among its customers were $ 167 per month per person, with an average discount of $ 2,632. Family plans cost an average of $ 392 per month, with a deduction of $ 3,531. Two broad types of health insurance or health coverage There are two types of health insurance:
Private health insurance – The Centers for Disease Control and Prevention (CDC) says that the US health care system relies heavily on private health insurance. 58% of Americans have a type of private health insurance coverage.
Public Health Insurance (Government) – For this type of insurance called, premiums must be collected, although the coverage is provided by the state. Therefore, the UK Department of Health is not a type of health insurance – although it provides free medical services to its citizens, they do not collect premiums – they are a kind of comprehensive health coverage. One example of public health insurance in the United States is Medicare, a federal social insurance program for people aged 65 or over, as well as the disabled, the Medicaid program funded by the federal and individual states (and administered by individual states)



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