Азбука страхования

67 Stage 1. Text Study1. Read the text and then make a gist of it.Health insurance in the United StatesHealth insurance is one of the components of a sound financial plan. It provides financial security for your family by providing financial resources for health expenses in times of life’s uncertainties.Health plans differ, both in how much you have to pay and how easy it is to get the services you need. Although no plan will pay for all the costs associated with your medical care, some plans will cover more than others. Health insurance plans generally fall into one of two categories: indemnity plans (also known as reimbursement plans) and managed care plans such as health maintenance organizations (HMOs), preferred provider organizations (PPOs), and point of service (POS) plans.An indemnity plan allows you to choose your own doctors and pays for your medical expenses-totally, in part, or up to a specified amount per day for a specified number of days. Managed care plans generally provide broader coverage, but they all involve an arrangement between the insurer and a selected network of health-care providers (doctors, hospitals, etc.). For example, an HMO will require that a primary care physician in the network coordinates all of your care and refers you to specialists in the network. 1. The Sources of Health InsuranceHealth insurance is generally available through groups and to individuals. When you receive group insurance at work, the premium usually is paid through your employer. For individual insurance, it is best to contact a professional health insurance agent to review your options. You may be able to get group health coverage, either indemnity or managed care, through your job or the job of a family member. Group health insurance coverage through an employer or other group also has both advantages and disadvantages. Advantages include part or all of the premium being paid by the employer or other policy holder. Group policies are usually less expensive...