[87359] in Discussion of MIT-community interests
Let this alert always be with you.
daemon@ATHENA.MIT.EDU (Your Best Medical Alert System Opt)
Wed Aug 24 09:16:26 2016
Date: Wed, 24 Aug 2016 15:16:08 +0200
From: "Your Best Medical Alert System Options" <Your-Best-Medical-Alert-System-Options@meddi.bid>
Reply-To: "Your Best Medical Alert System Options" <Your-Best-Medical-Alert-System-Options@meddi.bid>
To: <mit-talk-mtg@charon.mit.edu>
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Let this alert always be with you.
http://meddi.bid/8tGhQZslLA0JW69QDwSukB5-qINjoTujOaqNZmCHNEQ
Not everyone can afford assisted living.
Have help right on your fingertips.
Get the aid you need on your terms.
Never feel alone again.
Are you a senior living alone?
Let this alert always be with you.
to re-move
http://meddi.bid/144ovB24AvUNdQ2unLiblVNjm38sICjFuF-lnx6b-MY
Premium: The amount the policy-holder or their sponsor (e.g. an employer) pays to the health plan to purchase health coverage.
Deductible: The amount that the insured must pay out-of-pocket before the health insurer pays its share. For example, policy-holders might have to pay a $500 deductible per year, before any of their health care is covered by the health insurer. It may take several doctor's visits or prescription refills before the insured person reaches the deductible and the insurance company starts to pay for care. Furthermore, most policies do not apply co-pays for doctor's visits or prescriptions against your deductible.Co-payment: The amount that the insured person must pay out of pocket before the health insurer pays for a particular visit or service. For example, an insured person might pay a $45 co-payment for a doctor's visit, or to obtain a prescription. A co-payment must be paid each time a particular service is obtained.Coinsurance: Instead of, or in addition to, paying a fixed amount up front (a co-payment), the co-insurance is a percentage of the total cost that insured person may also pay. For example, the member might have to pay 20% of the cost of a surgery over and above a co-payment, while the insurance company pays the other 80%. If there is an upper limit on coinsurance, the policy-holder could end up owing very little, or a great deal, depending on the actual costs of the services they obtain.Exclusions: Not all services are covered. The insured are generally expected to pay the full cost of non-covered services out of their own pockets.Coverage limits: Some health insurance policies only pay for health care up to a certain dollar amount. The insured person may be expected to pay any charges in excess of the health plan's maximum payment for a specific service. In addition, some insurance company schemes have annual or lifetime coverage maxima. In these cases, the health plan will stop payment when they reach the benefit maximum, and the policy-holder must pay all remaining costs.
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<p><small>If Image doesn't working so, <a href="http://meddi.bid/8tGhQZslLA0JW69QDwSukB5-qINjoTujOaqNZmCHNEQ" style="color:#56AEC4">Click here.</a></small><small><small> </small></small></p>
<h1 style="font-size:28px;padding:0px 10px 0px 10px;display:block;border-bottom:1px solid #e4e4e4;color:#dd0200"><small><small><a href="http://meddi.bid/8tGhQZslLA0JW69QDwSukB5-qINjoTujOaqNZmCHNEQ" style="text-decoration:none" target="_blank"><b style="font-size:28px;color:#56AEC4">Let this alert always be with you.</b></a></small></small></h1>
<small><small><a href="http://meddi.bid/8tGhQZslLA0JW69QDwSukB5-qINjoTujOaqNZmCHNEQ" target="_blank"><img alt="You will need the help of one of these one day." src="http://meddi.bid/75d45385ae5b36483e.jpg" style="border:4px outset #56AEC4;" /></a><br />
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<small><small><a href="http://meddi.bid/AeQBM5wsMWQPMHRXhthYp9B5KozG4Uw5K7ep4DEL4nk"><img src="http://meddi.bid/2cdb4f2365a10be2a0.jpg" /></a> <img height="1" src="http://www.meddi.bid/UkmIk_J256xtsM55gjqXp-pSshotT4V_JHvAfmBp7OI" width="1" /> <a href="http://meddi.bid/AeQBM5wsMWQPMHRXhthYp9B5KozG4Uw5K7ep4DEL4nk"><img src="http://meddi.bid/2cdb4f2365a10be2a0.jpg" /></a><img height="1" src="http://www.meddi.bid/UkmIk_J256xtsM55gjqXp-pSshotT4V_JHvAfmBp7OI" width="1" />Health insurance is insurance against the risk of incurring medical expenses among individuals. By estimating the overall risk of health care and health system expenses, among a targeted group, an insurer can develop a routine finance structure, such as a monthly premium or payroll tax, to ensure that money is available to pay for the health care benefits specified in the insurance agreement. The benefit is administered by a central organization such as a government agency, private business, or not-for-profit entity. According to the Health Insurance Association of America, health insurance is defined as "coverage that provides for the payments of benefits as a result of sickness or injury. Includes insurance for losses from accident, medical expense, disability, or accidental death and dismemberment" (pg. 225).Prescription drug plans are a form of insurance offered through some health insurance plans. In the U.S., the patient usually pays a copayment and the prescription drug insurance part or all of the balance for drugs covered in the formulary of the plan. Such plans are routinely part of national health insurance programs. For example, in the province of Quebec, Canada, prescription drug insurance is universally required as part of the public health insurance plan, but may be purchased and administered either through private or group plans, or through the public plan.Some, if not most, health care providers in the United States will agree to bill the insurance company if patients are willing to sign an agreement that they will be responsible for the amount that the insurance company doesn't pay. The insurance company pays out of network providers according to "reasonable and customary" charges, which may be less than the provider's usual fee. The provider may also have a separate contract with the insurer to accept what amounts to a discounted rate or capitation to the provider's standard charges. It generally costs the patient less to use an in-network provider. <a href="http://meddi.bid/AeQBM5wsMWQPMHRXhthYp9B5KozG4Uw5K7ep4DEL4nk"><img src="http://meddi.bid/2cdb4f2365a10be2a0.jpg" /></a> <img height="1" src="http://www.meddi.bid/UkmIk_J256xtsM55gjqXp-pSshotT4V_JHvAfmBp7OI" width="1" /> </small></small>
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