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Disability Income Policies

Replace all parts of your wages lost since you don't have the capability of working for the reason that of a disabling sickness or injury. Income replacement policies pay weekly or monthly amount when you are unable to perform the duties of your job. The contract also defines how much you will be paid and how soon after you are disabled payments begun and when they will be ceased. There are many kinds of contracts in a diverse manner. So always shop carefully through a licensed health insurance agent who has thorough knowledge about this type of coverage.

Supplemental Insurance Policies

Are intended to pay to your regular medical expenses or income replacement policies additionally and should not be used as a substitute for more than comprehensive coverage. If you are hospitalized incurred to treat a specified "dread disease" such as cancer or a stroke they pay only limited benefits such as a daily dollar amount and this coverage may also get duplicated some of what you are paying for in your comprehensive medical expense plan. Make sure you identify with the limitations as well as exclusions before getting it.

Cancer, hospital indemnity, accident, and medigap contracts are just some examples of supplemental insurance policies.

Pre-Paid Contracts
(Department of Managed Health Care Jurisdiction)

Health Maintenance Organizations (HMO) Plans were formed with the idea of controlling cost and providing preventative health care before members get sick. HMO's are comprised of hospitals, doctors and other medical personnel who have joined to provide health care to members in return for a pre-paid monthly charge. You can go to the provider as often a as you need for the same monthly cost and an additional small fee per office visit or prescription. Most other medical services are fully covered. You do not have the option of going to a medical provider who is NOT part of the HMO. Enrollment is usually limited to employer groups, but a few HMO's will take individual members.

Self-Insured Single Employer Plans
(Department of Labor Jurisdiction)

Some large employers and lot of labor unions provide group health coverage for their employees or members without buying an insurance policy or HMO plan. You are always self-insured under the Employment Retirement Income Security Act (ERISA) or if it is "insured by" an insurance company. You may have little remedy as these plans are not been regulated by the State if the plan is self-insured and the employer or the union does not pay a claim as well. Federal labor law governs these plans, but the federal government does not handle claim complaints.

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