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PTP Insurance
Agents of Naperville, IL, an independent insurance agency
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Types
of Healthcare Insurance
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Indemnity Healthcare Insurance
 Indemnity
healthcare insurance is the first type of medical plan offered
by insurance companies. They pay either a fixed amount for specific
medical procedures (schedule of benefits) or a percentage of
the healthcare provider's fee. The patient receives and pays
for medical services, and the insurance company reimburses or
indemnifies the insured based on the provisions of the insurance
policy.
Major Medical Insurance
Major medical healthcare insurance
is probably the most common type of health insurance plan. It
provides benefits for a broad range of healthcare services based
on usual and customary charges rather than on a schedule of benefits.
Major medical insurance plans typically incorporate coinsurance,
co-payments, coverage limits, deductibles and out-of-pocket maximums
in the policy.
Illinois Blue Cross Insurance
Illinois Blue Cross Insurance
Company is a franchisee, independent of the association, offering
health insurance plans for individuals. They also act as administrators
of Medicare. In addition, Illinois Blue Cross Insurance offers
managed care plans such as HMOs and PPOs which provide hospital
and medical care in one policy.
Health Maintenance Organization
(HMO)
With the Health Maintenance
Organization Act of 1973, Health Maintenance Organizations (HMOs)
came into being. Benefits are provided through a network of providers.
Unlike other forms of healthcare insurance, an HMO covers only
care provided by member doctors, medical other professionals
and facilities who have agreed to the terms and restrictions
of the HMO.
Most HMOs require the insured
to choose a primary care physician to limit access to medical
services. Primary care physicians are usually general practitioners,
internists, family doctors or pediatricians. Patients usually
need a referral from the primary care physician in order to see
a specialist or other doctor unless it's a medical emergency.
It is the responsibility of the primary care physician to make
sure the HMO guidelines are met prior to authorizing a referral. |
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People
to People Insurance Services Inc. - 1240 Iroquois, Naperville, IL, DuPage County - Serving Chicagoland (630) 355-2355 |
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Naperville Illinois personal and commercial independent insurance agents, PTP Insurance Agency, serves clients throughout
the metropolitan Chicagoland area which includes Cook County, DuPage County, Kane County, Kendall County and Will County;
including, but not limited to, Naperville, Bolingbrook, Plainfield, Aurora, Batavia, Barrington, Berwyn,
Bedford Park, Bloomingdale, Brookfield, Burbank, Burr Ridge, Carol Stream, Chicago, Clarendon Hills, Countryside,
Darien, Downers Grove, Elgin, Elmhurst Glen Ellyn, Glendale Heights, Hickory Hills, Hoffman Estates, LaGrange,
LaGrange Park, Lemont, Lisle, Lockport, Lombard, Lyons, Mokena, Montgomery, Oak Brook, Oswego, Romeoville,
St Charles, Schaumburg, Shorewood, Sycamore, Warrenville,West Chicago, Westmont, Woodridge and Yorkville.
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