Vectors and 3D Models
Local Search - Finance
Weather Information
Get the App for Smartphones and Tablets

Go Back

WhmSoft Free Articles Directory
Free Articles for Reprint
Free Articles to Publish
Free Articles for Newsletters
Videos to Watch

Page Generation Date and Time:
12/15/2019 16:08:46

Free the Animation VR / AR
Play to reveal 3D images and 3D models!
Demonstration A-Frame / Multiplayer
Android app on Google Play
vlrPhone / vlrFilter
Project of very low consumption, radiation and bitrate softphones, with the support of the spatial audio, of the frequency shifts and of the ultrasonic communications / Multifunction Audio Filter with Remote Control!

Alexa Data

Go To Articles Directory Home Page

To get the current article, - See Below (at the bottom of the page) -.
For top news titles, see below.
Web sites and videos listed in this page are frequently updated.
If you find that this page is useful (quality of web sites, images and videos, ...), you can add it to your favorites.
Bookmark Page !

Tell a Friend:

With your mobile phone (WAP / I-Mode / iPhone / PDA), for free:
The Top News -
The Daily Files -
All the Directory Files -

Web version of feeds:
Podcast Music -
Daily Files -

You can play the Guitar Drum Revolution game (flash game) by following the link below:
Play Guitar Drum Revolution Game

You can play free online games (flash games) by following the link below:
Free Online Games

Play the samples below:
Piste Aux étoilesViking PuzzlePepsi PinballFortress GamesMahjongg Artifact 2

You can view the people (celebrities) news and the front page news (with videos, images and constant updates) by following the link below:
View Recent News
or by visiting the WhmSoft Service blog:
News Photos Slideshows

Article Keyword Videos to Watch
Click on the image to start the video.

Related Topics
Images - Links - Articles


Related Images

Article Category Videos to Watch
Go to the Videos Pages

Interesting Facts You May Not Have Known About Family Health Insurance (Part II)

In Part I of this article, we started out by discussing the differences between the terms family health insurance and individual health insurance, followed by the different types of family health insurance available in today’s market. We now continue that topic…

Managed care plans are basically networks that provide contracted services by specific providers at pre-negotiated rates. The HMO was the first managed care insurance available, followed by the PPO and POS plans.

HMO’s are prepaid plans in which members pay a fixed monthly fee, regardless of how much medical care is needed in a given month. HMO’s provide medical services ranging from office visits to hospitalization and surgery, and usually require that you stay within the network when you need services from physicians and hospitals.

The primary drawback of an HMO is that enrollees are required to choose a Primary Care Provider (PCP) from the HMO’s approved list of providers and sometimes, your 'preferred' doctor is not on the list. The see a specialists within the network, you are required to first obtain a referral from your PCP. The HMO typically won't cover the costs of medical care provided by professionals outside the HMO network. Furthermore, because an HMO network is limited in size, it may take a long time to get an appointment with the PCP.

A second option for managed family health insurance is a PPO. A PPO is similar to an HMO, with a significant difference: There is no need to first be seen by a PCP. Participants are advised to select a medical professional from the PPO's approved 'network' but they don't have to and they don't need a referral to see a specialist. Should a participant choose to go outside the network, their co-payment will be higher, the percentage that the PPO pays for the medical care will be lower, and they will likely have to satisfy a higher deductible. PPO plans have become the most popular family health insurance plan in the U.S. today.

Although PPOs offer greater freedom of choice, there are more costs involved in this type of managed care plan. These costs can be significant when enrollees go outside the network.

A POS managed care plan can be described as a cross between an HMO and PPO. It offers more freedom of choice like a PPO, and a lower cost like an HMO. Participants must designate a PCP, but even then it is difficult to get a referral to a specialist. When participants stay within the network, paperwork is minimal, and so are co-pays. Plus, there are no deductibles. Although they might sound like the best of both worlds, POS family health insurance plans aren't very popular.

Choosing family health insurance that is "right' for you and your family can take a lot of effort. Educating yourself is a good first step. As you go through the process, it's important to follow through by asking lots of questions and carefully evaluating the various options before you, so that you can make the wisest health insurance choice for you and your family.

About the Author: Jonathon James has been working in the health industry for nearly twenty years. To view additional articles and resources related to family health insurance, please visit

Recommended Web Site(s):

Easy Articles Home Page - Articles Directory

Recommended WhmSoft Web Sites, Feeds and WAP Address:

WhmSoft Software Home Page - Software
WhmSoft Services Login Page - Music and Images
WhmSoft Moblog Home Page - Blog - Photo Gallery
WhmSoft Free Online Games Home Page - Flash Games
WhmSoft Services RSS Feed - Daily Music, Image and 3D Flash Animation
Classical Music with Drum RSS Feed - MIDI and MP3 Files
Classical Music with Drum Podcast Feed - MP3 and MP3 Files
WAP / I-Mode / PDAs - Daily Music, Image and Flash Animation

Home Pages:

WhmSoft Free Articles for Reprint Home Page
WhmSoft Services Home Page - Music and Images
Copyright (C) 2006-2019 WhmSoft - All Rights Reserved.