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Healthcare Information Technology Exam Guide for CompTIA Healthcare IT Technician and HIT Pro Certifications by Brian Gugerty, Kathleen McCormick

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The Structure of Health Insurance

Health insurance establishes rules for paying for healthcare, but at the end of the day, the dollars that are disbursed through health insurance systems come from other sources. It is important to take a brief look at who pays for what.

To begin with, Americans purchase (or, in some cases, receive as an entitlement) health insurance; when they do, they pay an annual premium, which typically depends on their family structure (whether they are purchasing insurance for themselves or for their family) and the nature of the insurance they are purchasing. When they use that insurance (to purchase or, more accurately, to obtain reimbursement for healthcare services that are covered by that insurance), they may also ...

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