Features of Health Plans
Donna Kimble
HCR/220
October 16th, 2013
Harry Holt

A health plan is an organization that provides and pays for medical care. Either to an individual or group. There are different kinds of health plans, major which are the more known plans. Some examples would be HIP Ins. Group, Cigna health group, and Aetna group. Next would be state plans, such as Medicaid or child health plus. With state health insurance an individual and family are covered either according to what they make annually or if they have no income at all. Concerning major health plans, most of the time people pay monthly and have full coverage. People also can be covered by their employer, which can have full or limited coverage. Health plans can be very tricky and everyone should know the policy, and services covered for their health plan. Without full knowledge of your health plan you could result in having to pay a large amount of money for medical care you assumed was covered. Providers and consumers are both covered by these plans. Both financial and benefits but I believe that a providers coverage is a little more in depth than a consumers. A consumer will be covered for routine exams, if they fall, etc. under their plan. Sometimes certain things are not covered by a consumers plan, such as mammograms, and pap smears. Which are only covered every nine-twelve months. With a provider coverage is more detailed, for instance a doctor will have coverage in case of accidental things happening. Like a surgery gone wrong, or prescribing medications that shouldn’t be. Providers need this coverage so they are protected in case of a law suit. They are also covered for finical loss, especially in today’s economy where not many people can pay for medical care and leave unpaid bills for services already