When you compare health insurance plans, they're put into 5 categories based on how you and the plan can expect to share the costs of care: Bronze, Silver, Gold, Platinum, and Catastrophic. The category of health insurance plans you choose affects how much your premium costs each month and what portion of the bill you pay for things like hospital visits or prescription medications.
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You can't buy health, says the proverb. However, help in saving you can buy, and by law, to obtain free of charge by the health insurance. How to choose an insurance company, what are the criteria for this should be taken into account? The answers to this and many other questions can be found on the websites of the health insurance organization (HIO). Research conducted by RIA Novosti in the framework of the project "Social Navigator", showed that 90% of web sites have information about the rights and responsibilities of citizens in the field of compulsory health insurance, 89% of the explained procedure for obtaining the policy. 67% of the sites contain information about the conditions of provision of free medical care, but no one site is not the entire spectrum of free medical services, which can be obtained in clinics and hospitals. What this insurance company is different from others
Compare Health Insurance Plans, found out less than two thirds of the sites. The conclusions made by the authors of the rating of evidence: on most sites SMO given very superficial information about what to do if medical assistance was rendered defective, or it was denied.
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The case was not isolated and are not exclusive: on the way to the other two ribollita different regions history repeated itself. Arguments in favor of emergency care for an elderly person in preinfarction condition became more decibels in the voice and journalistic identity, but not health insurance, it is for this purpose and designed.
"It is hardly lack of medical personnel, " said the physician Viktor Nikonov. Maybe colleagues did not want to be responsible and expected unaware of their rights, patient relatives will leave. Maybe they were hoping that they, having been refused free help, will be ready to pay, allegedly voluntarily
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Senior lecturer at the Department of forensic medicine and medical law, Moscow state medical and dental University Ivan Pechera explained to RIA Novosti that the hospital staff are required to provide medical care under the law even when the patient has no health insurance. "In accordance with the Federal law "On the fundamentals of health protection of citizens in the Russian Federation" medical organization and medical workers should promptly and free of charge to provide emergency medical care, failure is strictly not allowed. It is noteworthy that in the new law on local self-government more clearly defined the unacceptability of such behavior of the doctor, " said Pechera. - Denial is illegal in nature, and in the case of further injury to the patient due to the lack of timely medical care is a crime under the criminal code of the Russian Federation "Failure to provide care to the patient".
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