If you are employed, your company most likely provides health insurance. Many providers or health maintenance organizations (HMOs) offer corporate packages and they will let you know about your coverage depending on your job position. Usual packages include inpatient, outpatient, and emergency room benefits as well as access to a large network of accredited hospitals, clinics, and other medical professionals. Of course, you can get your own health insurance, in which case you’ll have to manage the regular payments yourself.
If you are self-employed, you need to do all the work—from finding different insurers and comparing their insurance plans, to understanding the coverage and paying premiums. A medical insurance enables you to have your own choice of doctor, clinic, or hospital for reimbursement, as well as benefits as an outpatient.
The selection process can be a bit daunting at first, considering the amount of information that you need to understand. The good thing is that reputable insurers make it very easy for you to understand the benefits you are entitled to in terms of health coverage. Moreover, most insurers have advisers who are more than willing to assess your needs and even recommend the right plan for you. All you have to do is study everything you can on your part.