Health insurance facts-including health-care Reform 2010

Health insurance facts and figures

It's amazing to read about the fact that the companies pay their top CEOS millions of dollars a year, but that more than 40 million Americans and more than 8 million children cannot afford health insurance and not get it through their employers of small businesses.

Affordable care Act passed in 2010, aims to change this. Here are some of the new changes that everyone has health insurance by 2014 or face penalties from the IRS. Small businesses are also tax credits large and the Government of intending to help their employees insured.

Here are some more interesting facts about health insurance:

The cost of health care is usually covered by insurance cover Doctor visits, hospital visits, surgery, advanced procedures, research, care home, handling routine and advanced and other services. Usually persons who are eligible for Medicare are those who are 65 years or older, as well as younger persons with disabilities and persons with permanent kidney failure. Medicaid is for persons who have received the assistance of the Federal Government. It usually involves hospitalization, doctor visits and other types of services. Prescription drugs, chronic disease, uninsured patients and longer average life, you are adding to the rising costs of health care. Additional insurance cover treatments and services of the regular health insurance.

Employee compensation covers the costs of medical care for diseases and injuries which occurred because the employment of the person.

Types of plans:

-Fee-for-service fee service plans allow you to choose between a hospital and a Doctor, but you must pay a monthly fee of the premium.

-Organisations maintain health: HMOs are prepaid health plans, which require you to pay the co-payment when visiting a doctor. Plans to focus on preventive care in order to keep costs down (the costs associated with treating someone with advanced disease are much higher).

-Health savings accounts: Savings accounts to help pay down high deductibles. They often carried over from year to year.

-Service plans: these plans allow you to see doctors, who are not within the plan.

-Preferred Provider Organizations: Like HMOs, has a small co-payment for visiting doctors within the plan. Unlike HMOs, you can see the doctors, who are outside the plan, but you will need to pay more Bill alone.

-Self-directed biting health plans: This plan is linked with the quarterly supplement PPO, which can be used for preventative health care. Like health savings account, money zrolowany for the next year if you are not using it.

Health insurance number:

Millions of Americans are uninsured or underinsured because of soaring health care costs. The UNITED STATES paid nearly $ 2.5 trillion in health care costs in 2008, and the average cost of health care for American is $ 7,400 per year. Uninsured patients, who also do not pay their medical BILLS are driving growth in health care costs. Hospitals include approximately $ 30 billion each year in unpaid medical BILLS. There are more than 40 million Americans who live without insurance every year, and over 8 million of their children. The employer pays a premium of approximately $ 12,500 a year for insurance for a family of four. Economists predict that healthcare costs will increase to more than $ 3 trillion per year within the next decade.

People who see a doctor, despite the fact that they are ill or injured are often end facing higher medical BILLS. Visits which prevents the hospital may complete the valuation of these persons, more than $ 3,000 on average.

Adam Hallson is health insurance experts. For more information HealthInsuranceQuoteFinders.comgo to