seminar: timely topics for today’s business world mr. bernstein health care insurance january 22,...
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Seminar: Timely Topics for Today’s Business World
Mr. Bernstein
Health Care Insurance
January 22, 2014
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Health Insurance PlansMost people are part of a Group Plan, commonly
through their employerSelf-employed or otherwise uncovered persons may
purchase Individual Health InsuranceCOBRA is a law enacted in 1986 which allows
workers who lose their jobs to purchase Group Plan insurance through their former employer for a set amount of time
Seminar: Timely Topics for Today’s Business World
Mr. Bernstein
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Types of Health Insurance Coverage Basic Health Insurance
Hospital ExpenseSurgical ExpensePhysician Expense
Major Medical Coinsurance or deductibles
ComprehensiveBoth Basic Health and Major Medical
Seminar: Timely Topics for Today’s Business World
Mr. Bernstein
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Other Health Insurance Policies Dental ExpenseVision CareLong-Term CareTrip Accident*Dread Disease Policies*Supplemental *Discount Plans*
* - not comprehensive insurance
Seminar: Timely Topics for Today’s Business World
Mr. Bernstein
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Health Care ProvidersHMOs (Health Maintenance Organization)
Patients must be preapproved professionalsPPOs (Preferred Provider Organization)
May select “in-network” or more expensive “out-of-network” professionals
Seminar: Timely Topics for Today’s Business World
Mr. Bernstein
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Resource for Health Care Insurance informationProvided by US Federal Governmenthttp://www.healthcare.gov/index.htmlIncludes information on obtaining health insurance
through government-run programs, including information on subsidies
The website is run by the government, who has in interest in promoting their controversial entitlement program often referred to as “Obamacare”, so be sure to wear your critical thinker cap when reading
Seminar: Timely Topics for Today’s Business World
Mr. Bernstein