Choosing Health Insurance Plans

The stress and strains of everyday life takes its toll and, sooner or later, everyone ends up visiting the doctor for the mandatory health check-up. The doctor could diagnose a disease that requires treatment and, to compound the problems, you are presented with an inflated medical bill. When you face this situation you realize that health insurance is no longer a myth and individual health insurance may be exactly what the doctor ordered.

Health insurance becomes all the more necessary if you are self-employed or an employee of a small company that is not in a position to meet all your medical expenses home depot health check . Deciding upon the health plan that is just right for you is no easy task. The factors that you need to consider are the diseases that the plan covers, the benefits that accrue and the deductibles that you would have to pay. So, what you need to do is to study the plans and then decide which is the best for you and your family. The two major health plans can be categorized are the managed care plan and free-for-service health plan.

Let us first focus on the managed care plans. Also known as a Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), Individual Pacific Association (IPA), or Point of Service (POS) plan, these managed care plans offer moderate coverage at low prices. They cover most of the doctor’s visiting charges and check-ups. Also, in case of these managed care plans, the doctor may be required to give his or her approval before you choose a specialist, if the need may so arise. The doctor may also have a say as to the hospital you choose or from where you receive emergency services.

The second category includes the free-for-service plans, also known as indemnity plans that allow you to choose your health care provider yourself. Also, with these plans, the payment to the health providers is made at the time of service. So in this case you don’t have to make any monthly premium.

While sophisticated neuroimaging techniques such as fMRI (functional magnetic resonance imaging) provide a significant boost in our understanding of the brain — and sexy research frequently reported all over the media — they are extremely costly. This makes it difficult to reach the mass scale required to conduct clinically meaningful research and to improve the brain care of millions if not billions of individuals around the globe.

Good news is, we are witnessing an explosion of new methods that make use of low cost, already ubiquitous technologies to inform brain health prevention, diagnoses and treatments on a wide scale.

Max Little’s popular TEDTalk, “A Test For Parkinson’s With A Phone Call” provides a great example. Assuming the 10,000-subject experiment run by the Parkinson’s Voice Initiative is successful, we will soon have a new disease measure that is both accurate and accessible. The brain may be an amazingly complex organ, but with the right tools and some ingenuity, we can build on that complexity to find new ways to improve brain health across the full lifespan. Parkinson’s, as Little points out, afflicts over 6 million individual worldwide, but it’s just one of a number of neurological conditions that together take a terrible collective toll. Think about ADHD, concussions, depression, Alzheimer’s Disease, and more. Improving prevention and care for all these conditions faces one common obstacle: the lack of scalable assessments that can help objectively assess and monitor the continuum between health and disease. Without them, we need to rely exclusively on very expensive medical equipment and clinical evaluations, which means too few people, and too late, access them.

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