Three Types Of Health Insurance

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The three main types of health insurance in the United States are voluntary, social and welfare. These types on insurance a person possess sometimes determine the ability to seek care and how that care is given. Insurance types such as voluntary and social insurance can be very expensive and will make participants consider how important it is for them to see the doctor, while welfare medicine participants have trouble finding a doctor due to the limit number of physicians who are provider or are refusing to take on new patients. Some of the types of voluntary insurance are Blue Cross and Blue Shield (BCBS), private and commercial insurance, and health maintenance organizations. Voluntary insurance is not only limited to health care from physicians, but can also include dental, long-term, and life insurance. One of the most popular voluntary insurance companies is BCBS. Sometime people have trouble paying for insurance especially if is as it related to an on the job injury or because they have reached retirement age and can no longer work. …show more content…

Some examples of social health insurance are Medicare, worker compensation and social security. According to Williams & Torrens, 2008, “social insurance is an entitlement program, not charity” (pg. 86).Worker Compensation is supplied for workers who are hurt in a job related accident. Worker Compensation provides two types of benefits, it replaces a portion of wages to worker who can’t work due to disability and the payment of all or part of their medical expenses associated with the accident. The government also provides insurance who have the need for services, but cannot necessary afford the, this is known as Welfare

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