What is the difference between Health Insurance and Health care Program?

Question by : What is the difference between Health Insurance and Health care Program?
Is it OK to have just the health care program and not have the Health Insurance Plan? I can get Health care program for half the monthly premium as compared to the Health Insurance Plan. Please advise? Is it advisable?

Best answer:

Answer by Sandra
You don’t say what country you are in, your age, or anything much else.

It doesn’t matter what these are called. You have to compare:

What doctors you can see (any doctor? one in their network?)
What kind of doctor you can see (do you have to go to a primary care physician first, before you can see a specialist?)
Whether hospitalization is covered
What is the deductible (the amount out of pocket before they pay anything each year)
What is the co-pay (the amount you pay each time you use the insurance)
How likely are you to use the benefits?

Then make up a situation – you fall off a bike and break your arm, or you catch something serious. Figure out how you will benefit from each plan.

Give your answer to this question below!