Co-Pay versus No Pay Health Care Insurance

Many consumers are unaware of the differences between benefits and insurance. Who actually pays for your doctor visits?
 
 
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May 24, 2008 - PRLog -- There's a distinct difference between a co-pay health care situation with an employer and one where an individual needs to pick up the doctor's bill on their own.  The distinction lies in the definition of what co-pay really means.  Co-pay is actually considered to be a "benefit" and not insurance.  The "benefit" is given to an employee by the employer as a perk for working at that particular company.

If the employee leaves the company, that employee is then responsible for obtaining their own health care insurance.  Since they have been accustomed to the co-pay benefit, many think this is a type of insurance they can buy.  While it is a type of insurance that is available, the deductibles are very high and the cost of having that kind of insurance is, in most cases, prohibitive for an individual.  It is usually corporations and other larger firms that have this kind of insurance in place.

What type of insurance is usually required in the case of an individual or family who would like something like a co-pay situation they used to have?  The answer is the type of insurance that best suits their needs and particular circumstances.  This is where a good health care insurance company comes into the picture. Make sure it's a company in your area that has a handle on the local healthcare scene and the capability to walk you through the various alternatives.

Those changing from one kind of insurance to another often find themselves in a bind because their expectations of what they will get are not in line with what they can afford or qualify for.  Talking to a health care insurance agent in your state is the fastest way to find answers and affordable options for the reality of your present circumstances.

Benepath.com can provide you with common sense health care insurance at rates suited to your particular lifestyle.  Obtain a no-obligation quote from them online or by contacting them directly at 1-888-423-6437 or 1-888-4BENIES  

To learn more, visit http://www.benepath.com
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