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People who do not have employer-provided health care benefits, whether students, self-employed, or in-between jobs may want to purchase individual health insurance. An individual health insurance plan is health care coverage obtained by families and individuals directly instead of through an employer or other organization. This type of insurance offsets or pays for medical expenses, which may include — but are not limited to — preventative care, routine office visits, prescriptions and surgical procedures.we can search Online Medical Insurance in google.

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Why buy health insurance?
Nothing is more precious than your health. And with the rising cost of health care, unfortunately, medical services have become out of reach for many individuals and families. Health insurance can help make medical care more affordable.

What health insurance covers
When purchasing health insurance for yourself or your family, you may choose either a managed care plan or an indemnity plan.
 

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Managed care plans — Although plans vary from state to state, some of the most common options are:

    Health maintenance organization (HMO)
    Preferred provider organization (PPO)
    Point of service (POS)

Indemnity plans — Most indemnity plans offer a broader selection of health care providers than managed care plans. Indemnity plans pay a share of the costs for covered services only after they receive a bill, which means you may have to pay up front for your medical services(Online Medical Insurance) and then obtain reimbursement from your health insurance company.

Coverages vary within plans, so it is important that you understand exactly what your policy will and will not pay for.

Most plans will reimburse you for a portion of costs associated with:

    Preventative care
    Routine office visits
    Prescription drugs
    Hospitalization
    Physical therapy
    Diagnostic tests
    Lab work

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