Health Insurance

We can resume health insurance terminology as the 'provider' as we can say it may be clinic, doctor, hospital, laboratory, pharmacy or health care practitioner.  The person with the health insurance coverage's, 'insured' is the owner of the health insurance policy.

Health insurance is a type of insurance coverage that covers the cost of an insured individual's medical and surgical expenses.  Besides that, depending on the type of health insurance coverage either the insured pays costs out-of-pocket and is then reimbursed or the insurer makes payments directly to the provider. Health insurance is commonly included in employer benefit packages and seen as an employment perk in USA.

In some countries, health care coverage is provided by the state and is seen as every citizen's right, such as Canada and United Kingdom. It is classed along with public education, firefighters, street lighting, public road networks, and police as a part of a public service for the nation.

In country like USA, we can see health insurance coverage is somewhat different from the others country.  Health insurance is done by everyone, with the exception of some groups, such as veterans, elderly and/or disabled people. It is the individual's responsibility to be insured. Most recently, Obama Administration has introduced laws making it mandatory for everybody to have health insurance, obviously there are penalties for those who fail to have a policy of some kind.

Everybody at some time in their life and often on many occasions surely will need some kind of medical attention and treatment. Whenever medical care is required, mostly the patient should be able to concentrate on getting better with their health, rather than wondering whether he/she has got the resources to pay for all the bills. Most recently, This view is becoming more commonly held in nearly all the developed nations.