Describe the differences between political affairs and commercial insurance?
What requirements that would make a patient eligible for respectively type?
Answers:
Where? Governmental insurances vary per state, as do private insurance. "Commercial" insurance refers to insurance purchased by businesses.
Eligibility for governmental insurances - which usually means strength insurance or unemployment insurance - are found with a simple turn upside down, naming the state and what you're interested in.
For private insurance, it varies SO violently, that even within one state there's no "one" set of rules.
Is this a homework assignment??
The key word, "tolerant," tells all. YOU'RE conversation about HEALTH benefits. Here's the deal:
Except as state regulations may force a private owner to insure patients, the private (commercial) insurance can pick or choose which people it wants to insure -ruling out the sick ones and giving discounts to the well ones.
The government insurance is PAID for by the government, from money rewarded into social security (or otherwise). The benefits themselves are also determined by the government: medicare, medicaid, etc. The DELIVERY and regime of the benefits (the paperwork, in other words) is handled by a private, commercial company across the country. Mutual of Omaha is a big player for Federal programs, and mixed companies compete for the business at the state level.
Some states allow several companies to offer competing programs inwardly a single state. The patient (usually someone on disability or welfare) can choose among various option, selecting one because, perhaps, it have more doctors nearby.
In between all this are the "Blues," Blue Cross (doctors) and Blue Shield (Hospitals) which usually operate below a state charter of some kind, and derive most of their business writing group plans for employers. Often, they own underwriting requirements, so some people (the sick ones) can't capture coverage from them. But in some states, they periodically offer "unseal enrollement," and during those periods anybody can sign up.
It is, unfortunately, a complicated mess.
Related Questions:
Answers:
Where? Governmental insurances vary per state, as do private insurance. "Commercial" insurance refers to insurance purchased by businesses.
Eligibility for governmental insurances - which usually means strength insurance or unemployment insurance - are found with a simple turn upside down, naming the state and what you're interested in.
For private insurance, it varies SO violently, that even within one state there's no "one" set of rules.
Is this a homework assignment??
The key word, "tolerant," tells all. YOU'RE conversation about HEALTH benefits. Here's the deal:
Except as state regulations may force a private owner to insure patients, the private (commercial) insurance can pick or choose which people it wants to insure -ruling out the sick ones and giving discounts to the well ones.
The government insurance is PAID for by the government, from money rewarded into social security (or otherwise). The benefits themselves are also determined by the government: medicare, medicaid, etc. The DELIVERY and regime of the benefits (the paperwork, in other words) is handled by a private, commercial company across the country. Mutual of Omaha is a big player for Federal programs, and mixed companies compete for the business at the state level.
Some states allow several companies to offer competing programs inwardly a single state. The patient (usually someone on disability or welfare) can choose among various option, selecting one because, perhaps, it have more doctors nearby.
In between all this are the "Blues," Blue Cross (doctors) and Blue Shield (Hospitals) which usually operate below a state charter of some kind, and derive most of their business writing group plans for employers. Often, they own underwriting requirements, so some people (the sick ones) can't capture coverage from them. But in some states, they periodically offer "unseal enrollement," and during those periods anybody can sign up.
It is, unfortunately, a complicated mess.
Related Questions:
- Who is the female on the Progressive Insurance commercials?
- Did you guys see the Commercial beside the oxi-clean guy within it...He's in a minute selling insurance?
- Need the name of insurance companies for commercial trucks...NOT brokers...thankfulness?
- Geico insurance commercial - which one is your favorite A/gecko B/celebrity C/caveman ??
- Guys - Would you do it beside that girl on the Progressive Insurance commercials?