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health insurance (11 types of services (FDA, HRSA, CMS, IHS, CDC, NIH,…
health insurance
11 types of services
FDA
HRSA
CMS
IHS
CDC
NIH
ATSDR
SAMHSA
AHRQ
ACL
ACF
Healthcare providers
clinics
behavioral health care
Outpatient care facilities
independent living support
long-term care facilities
hospice care
Healthcare plans
PPO: contracts with physicians & hospitals to provide treatment @ a lower cost
POS: smaller deductibles & copays but require a referral to see specialist
HMO: employ healthcare providers in a network from insured must choose
EPO: charges an access fee for network @ reduced costs
Insurance basics
deductible:
minimum amount a pt must pay out of pocket
coinsurance:
person's share of cost compared to insurance company
premium:
monthly fees people pay in pool
Healthcare payment systems
medicaid
medicare
private insurance