Health Insurance Program

By: EconomyWatch Content   Date: 15 February 2010

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The typical role of a health insurance program is to structure a mechanism that is both cost effective and preventive. Ever since governments across the globe realized the urgency of getting health insurance as close to fundamental rights as possible, health insurance programs have been a regular feature of parliamentary discussions. In fact, the number of programs underway is overwhelming; however, in the backdrop of increasing health care costs and increasing cases of medical-expenses-induced-bankruptcies, the results still need to be gauged.

Popular Health Insurance Programs in The USA

A few popular health insurance programs are:

  • Age 29 Dependent Coverage Extension
  • Child Health Plus
  • Medicaid
  • Medicaid Buy-in Program for Working People with Disabilities
  • Medicaid Obstetrical & Maternal Services (MOMS) Program
  • Family Health Plus
  • Family Health Plus Employer Buy-In
  • Elderly Pharmaceutical Insurance Coverage (EPIC)
  • AIDS Drug Assistance Program (ADAP)
  • HIV Uninsured Care Programs (ADAP)
  • HIV Special Needs Plans (HIV SNPS)
  • Managed Care
  • Prenatal Care Assistance Program (PCAP)
  • Medicaid Cancer Treatment Program: Breast, Cervical, Colorectal and Prostate Cancer
  • Child and Adult Care Food Program (CACFP)
  • Health Insurance Portability and Accountability Act (HIPAA)
  • Long Term Care
  • Early Intervention Program
  • WIC (Special Supplemental Nutrition Program for Women, Infants & Children)
  • Commodity Supplemental Food Program
  • Farmers Market Nutrition Program
  • Healthy New York Program
  • Medicare
  • Veterans Health Information Clearing House
  • Workers' Compensation Preferred Provider Organizations (PPO)

Among the available heath care plans, consumers can choose from Health Maintenance Organization plans (HMO) or Preferred Provider Organization plans (PPO). HMOs are strictly regulated healthcare plans where a patient gets coverage only for the mentioned network of doctors. Any outside-the-network referrals must be borne by the insured person himself. However, PPO lets people see any doctor and be considerably covered.

Even though health insurance is provided by employers, there are times while switching jobs or traveling when the coverage of such health insurance may cease to exist. In such cases, individuals can opt for individual health coverage programs, where all expenses related to the health insurance program are borne by the insured and in return, a rather comprehensive coverage is obtained.


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