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Health Insurance: Overview of Insurance Plans in USA

The human right to wellbeing and health maintenance is one of the basic ones. Currently, in the United States, there is plenty of possible ways to obtain health insurance. Medicaid, Medicare, Affordable Care Act (ACA), and Health Maintenance Organization (HMO) Insurance Plans are among them. Each has its target groups of population and coverage, making health insurance more available for the American public.

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Medicare is aimed to provide insurance to older adults. People over 65 years old and older are eligible to apply for Medicare (Health Rates, Medicare Insurance, 2020). The plan is divided into A, B, C, and D parts, and each covers different medical services. The A and B plans are called “standard” ones and cover hospital visits or treatment in facilities where the patient does not stay overnight. Plans C and D are considered advanced ones and cover some types of vision and dental care; plan D also offers drug prescriptions. In turn, Medicaid provides health insurance to people with low income – adults, pregnant women, people with disabilities, and children.

The ACA is aimed to reduce the costs of health insurance and improve its quality. The primary essential benefits include annual physical exams, emergencies, pregnancy care, contraception, and laboratory tests (Health Rates, ACA, 2020). The HMO insurance plans ensure that each insured patient is served by hospitals and doctors approved within the network of each health maintenance organization. The plan also assigns a primary care physician to every insured family member or person to oversee them.

During my practice, I intend to use the knowledge of health insurance to better understand the relation and intersection of the health insurance plans and their usage in each specific case. To provide a patient with precise and reliable information on the issue, one should be proficient in the area and be able to give proper advice. More than that, in clinical practice, it is essential to be knowledgeable enough to advise how to choose an insurance plan and when to change it to another.

References

Health Rates. (n.d.). Affordable Care Act (ACA). Web.

Health Rates. (n.d.). Medicare Insurance (Seniors). Web.

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StudyCorgi. (2022, January 17). Health Insurance: Overview of Insurance Plans in USA. Retrieved from https://studycorgi.com/health-insurance-overview-of-insurance-plans-in-usa/

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StudyCorgi. (2022, January 17). Health Insurance: Overview of Insurance Plans in USA. https://studycorgi.com/health-insurance-overview-of-insurance-plans-in-usa/

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StudyCorgi. "Health Insurance: Overview of Insurance Plans in USA." January 17, 2022. https://studycorgi.com/health-insurance-overview-of-insurance-plans-in-usa/.

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StudyCorgi. 2022. "Health Insurance: Overview of Insurance Plans in USA." January 17, 2022. https://studycorgi.com/health-insurance-overview-of-insurance-plans-in-usa/.

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StudyCorgi. (2022) 'Health Insurance: Overview of Insurance Plans in USA'. 17 January.

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