Health Insurance Information
CLICK COMPANY NAME ABOVE FOR ONLINE QUOTES ON COST SAVING HEALTH INSURANCE COVERAGE. NIS offers a wide range of health insurance coverages for $ignificant $avings : Major Medical, Supplement and Medicare (Click the images below for more info or contact your NIS agent!)
There are essentially two kinds of heath insurance: Fee-for-Service and Managed Care. They both cover an array of medical, surgical and hospital expenses. Most cover prescription drugs and some also offer dental coverage
The medical professional will be paid a fee for each service provided to the patient. Patients are seen by a doctor of their choice and the claim is filed by either the medical provider or the patient.
Various plans work differently and can include: health maintenance organizations (HM0s), preferred provider organizations (PPOs) and point-of-service (POS) plans. These plans provide comprehensive health services to members and offer financial incentives to patients who use the providers in the plan.
NIS also offers valuable coverage for long-term care. What is long-term care? Because of old age, mental or physical illness, or injury, some people find themselves in need of help with eating, bathing, dressing, toileting or continence, and/or transferring (e.g., getting out of a chair or out of bed). These six actions are called Activities of Daily Living–sometimes referred to as ADLs. In general, if you can’t do two or more of these activities, or if you have a cognitive impairment, you are said to need “long-term care.”
Long-term care isn’t a very helpful name for this type of situation because, for one thing, it might not last for a long time. Some people who need ADL services might need them only for a few months or less.
Many people think that long-term care is provided exclusively in a nursing home. It can be, but it can also be provided in an adult day care center, an assisted living facility, or at home.
Assistance with ADLs, called “custodial care,” may be provided in the same place as (and therefore is sometimes confused with) “skilled care.” Skilled care means medical, nursing, or rehabilitative services, including help taking medicine, undergoing testing (e.g. blood pressure), or other similar services. This distinction is important because Medicare and most private health insurance pays only for skilled care–not custodial care.
Health Insurance Quote Forms
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Health Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.