What is the difference between Health Insurance and Health care Program? and 2008-01-26 ''An Insurance''

What is the difference between Health Insurance and Health care Program?

Is it OK to have just the health care program and not have the Health Insurance Plan? I can get Health care program for half the monthly premium as compared to the Health Insurance Plan. Please advise? Is it advisable?


insurance best answer:

Answer by Sandra
You don't say what country you are in, your age, or anything much else.

It doesn't matter what these are called. You have to compare:

What doctors you can see (any doctor? one in their network?)
What kind of doctor you can see (do you have to go to a primary care physician first, before you can see a specialist?)
Whether hospitalization is covered
What is the deductible (the amount out of pocket before they pay anything each year)
What is the co-pay (the amount you pay each time you use the insurance)
How likely are you to use the benefits?

Then make up a situation - you fall off a bike and break your arm, or you catch something serious. Figure out how you will benefit from each plan.

insurance

2008-01-26 ''An Insurance''


Image by [ henning ]
"Eine Versicherung" = "An Insurance"
Found it at Wuppertal-Elberfeld. Just an eyecatcher. North Rhine-Westphalia, Germany.
www.flickr.com/photos/muehlinghaus/sets/72157625991822180/

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