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Health insurance
hideHealth insurance is insurance that pays for medical expenses. It is sometimes used more broadly to include insurance covering disability or long-term nursing or custodial care needs. It may be provided through a government-sponsored social insurance program, or from private insurance companies. It may be purchased on a group basis (e.g., by a firm to cover its employees) or purchased by individual consumers. In each case, the covered groups or individuals pay premiums or taxes to help protect themselves from high or unexpected healthcare expenses. Similar benefits paying for medical expenses may also be provided through social welfare programs funded by the government.
By estimating the overall risk of healthcare expenses, a routine finance structure (such as a monthly premium or annual tax) can be developed, ensuring that money is available to pay for the healthcare benefits specified in the insurance agreement. The benefit is administered by a central organization such as a government agency, private business, or not-for-profit entity.
For more information about Health insurance, read the full article at
Wikipedia.
This text uses material from Wikipedia and is available under the GNU Free Documentation License.
News tagged with health insurance
Understanding the pros and cons of health overhaul
Nov 28, 2009 |
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(AP) -- Maybe you've been reading the health care bill in your spare time. Then perhaps you can answer this question:
Cellphone powers back pain chip in Taiwan
Nov 27, 2009 |
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Taiwanese researchers have developed a chip to treat backpain that is powered by mobile phone, a member of the team said Friday.
Drug ads ineffective for boosting sales, could cost taxpayers: study
Nov 23, 2009 |
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US Taxpayers may be on the hook for the high cost of drug advertising that does little to boost sales, according to a new study led by a University of British Columbia health policy researcher.
Children who lack continuity with a regular health care provider miss needed services
Nov 23, 2009 |
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Low-income children who don't access health care from the same place or provider over the long term are significantly more likely to have unmet health care needs compared with those do, according to a new study published ...
Over 2,200 veterans died in 2008 due to lack of health insurance
Nov 10, 2009 |
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A research team at Harvard Medical School estimates 2,266 U.S. military veterans under the age of 65 died last year because they lacked health insurance and thus had reduced access to care. That figure is ...
Landmark health bill passes House on close vote
Nov 08, 2009 |
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(AP) -- The Democratic-controlled House narrowly passed far-reaching health care legislation, handing President Barack Obama a hard-won victory on his chief domestic priority though the road ahead in the ...
Higher health insurance costs force doctors to talk about money with patients
Nov 05, 2009 |
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As health insurers require people to base more treatment decisions on out-of-pocket costs, physicians should learn to talk to patients about money, according to researchers at Wake Forest University School of Medicine.
Lack of insurance may have figured in nearly 17,000 childhood deaths, study shows
Oct 29, 2009 |
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Lack of health insurance might have led or contributed to nearly 17,000 deaths among hospitalized children in the United States in the span of less than two decades, according to research led by the Johns Hopkins Children's ...
New US law helps ill students keep health coverage
Oct 09, 2009 |
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(AP) -- A federal law inspired by a New Hampshire woman's courage and enacted through her mother's determination took effect Friday, sparing seriously ill or injured college students from having to choose ...
Major health care challenges persist for D.C. children despite high rates of health insurance coverage, study finds
Oct 08, 2009 |
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Despite high rates of health insurance coverage among children in the District of Columbia, children's access to health care is inadequate and poses a significant health problem for the city's young residents, particularly ...
Costs of expanding health care coverage partly offset by future Medicare savings
Oct 05, 2009 |
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Expanding health coverage might not cost as much as policymakers assume.
People playing the odds on health care over costs
Sep 28, 2009 |
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(AP) -- Call it a health care gamble: the decision by some people to opt out of health insurance, paying cash for routine care while playing the odds that an accident or catastrophic illness won't plunge ...
45,000 excess deaths annually linked to lack of health insurance: study
Sep 17, 2009 |
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A study published online today estimates nearly 45,000 annual deaths are associated with lack of health insurance. That figure is about two and a half times higher than an estimate from the Institute of Medicine (IOM) in ...
New U.S. Census report shows poverty increasing more in West than elsewhere
Other Sciences / Social Sciences
Sep 10, 2009 |
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Income in the 13 western states didn't decline as steeply in 2008 as elsewhere in the country, but poverty went up more, according to a researcher at the West Coast Poverty Center at the University of Washington.
Picking quality health care: New study shows a little context makes a big difference
Medicine & Health / Psychology & Psychiatry
Sep 10, 2009 |
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A hospital pneumonia survival rate of 93 percent may sound good, but knowing that it's actually merely "fair" can help people pick a better hospital, according to new research. A "good" survival rate would be from 95 percent ...
