Health insurance in the USA - a guide to understanding domestic and foreign health insurance providers for individual, group or family health cover.

Welcome to our Health Insurance Workshop from Goals4Living

YOUR FREE AND IMPARTIAL ONLINE GUIDE TO HEALTH INSURANCE IN THE USA

Domestic & Foreign Health Insurance Providers

Here in the United States, companies are usually organized and chartered under the laws of one particular state and it is common for them to do business in many states.

A company that operates its home office in the state where it is organized is known in that state as a domestic company. In any other states where they do business the company is considered a foreign company. If the home office of a company is located outside the United States, it is considered an alien company. No matter whether it is domestic, foreign or alien a company must be registered in every state in which they operate.

Blue Cross/Blue Shield

These service organizations represent producers cooperatives. Hospitals and physicians who sponsor Blue Cross/Blue Shield plans are providing the insurance, therefore they are considered to be the producers of the cooperative.

Originally Blue Cross and Blue shield were separate voluntary and tax-exempt associations. Blue Cross provided payments to hospitals and Blue Shield covered physicians, medical and surgical fees. People originally covered under these plans were traditionally known as subscribers since Blue Cross and Blue shield differ from traditional insurance companies.

In most states, the two have merged, but each group still covers the expenses for which they were initially created. Over the years the tax advantages they originally enjoyed have deteriorated and many states have removed their exempt status. Additionally the federal Tax Reform Act of 1986 now makes them taxable as insurance companies.

How would you like to..
	Know more about Health Insurance
	Understand the different types of policies
	Know what a Policy should pay for
	Know about additional cover options
	Know what the policy may not cover
	Learn about different types of providers
	Group health cover
	Know what type of cover is for you
The answers to these and many other questions you may have about Medical and Health Insurance are contained in the concise, clearly written and easy to understand articles shown in the sidebar. We hope that you find them useful and that you bookmark this resource for future reference.

DISCLAIMER: This information is not presented by a medical practitioner and is for educational and informational purposes only. The content is not intended to be a substitute for professional medical advice, diagnosis, or treatment, nor recommendation of any product or supplier. Always seek the advice of your physician or other qualified health provider with any questions you may have regarding a medical condition and insurance policies. Never disregard professional medical advice or delay in seeking it because of something you have read.

YOUR FREE IMPARTIAL GUIDE

Introduction To Health Insurance

Summary Of Health Insurance Policies

Disability Income Insurance

Standard Medical Insurance

What Your Policy Should Pay For

Additional Coverage Some Policies May Include

Medical Conditions Your Policy May NOT Cover

Comprehensive (Major) Medical Insurance

Traditional Health Insurance Providers

Domestic, Foreign & Alien Health Insurance Providers

Health Maintenance Organizations (HMO's)

Preferred Provider Organizations (PPO's)

Group Health Insurance

Finding The Best Health Insurance Deal For You

Glossary Of Health Insurance Terms

Privacy