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Medical Insurance: Private Medical Insurance
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Private Medical Insurance (PMI) ain't cheap and, thanks to pricey new drugs and complex medical procedures, its rising cost massively outstrips inflation. Indeed, annual hikes of up to 15% aren't unusual – even if you haven't claimed.
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The term health insurance is generally used to describe a form of insurance that pays for medical expenses. It is sometimes used more broadly to include insurance covering disability or long-term nursing or custodial care needs. It may be provided through a government-sponsored social insurance program, or from private insurance companies. It may be purchased on a group basis (e.g., by a firm to cover its employees) or purchased by individual consumers. In each case, the covered groups or individuals pay premiums or taxes to help protect themselves from high or unexpected healthcare expenses. Similar benefits paying for medical expenses may ... be provided through social welfare programs funded by the government.
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The report, Alternative Medical Treatment in Auto Injury Insurance Claims, analyzes treatment utilization and cost data for more than 72,000 auto injury insurance claims closed with payment in 2002. Thirty-two insurance companies, representing 58 percent of the private passenger auto insurance market in the United States, participated in the study.
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Any traveler should consider getting medical insurance for travel to international destinations. If you already have private health insurance, then you are probably covered within the U.S. for major, unexpected medical costs. However, a typical individual and group health plan will not provide coverage when traveling outside of the country. Travel health insurance is very inexpensive and it provides you with the sense of security you need enjoy your travels alone or with your family. Policies can be quickly quoted and purchased online.
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Responding to Americans' desire for health care reform, a near-desperate desire in some quarters, almost all of the presidential candidates have put forth a plan to increase access to medical insurance. The resulting options range from market-based solutions to national health insurance. The most intriguing proposals, and possibly the most pragmatic, would build on the successes of the private health insurance market and mend the cracks of its failures.
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Before the development of medical expense insurance, patients were expected to pay all other health care costs out of their own pockets, under what is known as the fee-for-service business model. During the middle to late 20th century, traditional disability insurance evolved into modern health insurance programs. Today, most comprehensive private health insurance programs cover the cost of routine, preventive, and emergency health care procedures, and ... most prescription drugs, but this was not always the case.
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