Monday, November 17, 2014
Which should I buy: A health insurance or a Health Plan? There is much confusion in the slang popular on how call you the different options of health that are on the market: that if health coverage, plans of health, HMO, PPO, PHC, medical discounts, discount cards etc Unfortunately some of our colleagues have contributed to this, as well as in addition some companies when the advertising of the benefits that possess; which lead to the cliente-paciente to confuse him and not to possess an absolute truth about what to buy or what you are interested in or offer. It follows that you for many classify as health discount plans is to brand him wrong and conversely say: HMO, PPO, or medical insurance is to identify it as well, and this is not so. It has grey topstitching. The thing you can't see black or white, should go far beyond. legal concepts.Of course what I consider is based on my personal experience as agent certificate in insurance Doctors and have developed over the years with customers direct sales and this does not constitute any legal or personal recommendation. It is only my point of view to try to clarify the terminologies or concepts. They offer the different health plans first all companies that provide some type of Health Plan must have a license from the State and Government in order to exercise. I think that the stage of fools do something of this illegal type, has been left behind. Purpose these same risky were those that gave bad opinion, in part, to industry and have resulted in those classifications that everything is discount plans is bad or useless.Then I do not think that the fact that was considered by some company cheated is extremely serious.Because every day that passes the State has more control over these activities. At least in the private health insurance, because we are not talking about the State and federal that suffer from these controls or at least sounds more in these robberies and fraud: Medicaid, Medicare.