In the United States, health insurance is any program that helps pay for medical expenses, whether through privately purchased insurance, social insurance or a social welfare program funded by the government. Synonyms for this usage include "health coverage", "health care coverage" and "health benefits."
In a more technical sense, the term is used to describe any form of insurance that provides protection against the costs of medical services. This usage includes private insurance and social insurance programs such as Medicare, which pools resources and spreads the financial risk associated with major medical expenses across the entire population to protect everyone, as well as social welfare programs such as Medicaid and the State Children 's Health Insurance Program, which provide assistance to people who cannot afford health coverage. The health care industry is one of the world 's largest and fastest-growing industries. Consuming over 10 percent of gross domestic product (GDP) of most developed nations, health care can form an enormous part of a country 's economy
In addition to medical expense insurance, "health insurance" may also refer to insurance covering disability or long-term nursing or custodial care needs. Different health insurance provides different levels of financial protection and the scope o...
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...ccount services (flexible spending accounts, health reimbursement arrangements)
Physicians and Providers
Our members have access to network of more than 3,500 physicians and providers in Western New York. We also have contracts with national provider networks, which give our members innetwork access across the country.
Our service area for our group insured plans covers the eight western counties of New York State (Allegany, Cattaraugus, Chautauqua, Erie, Genesee, Orleans, Niagara, and Wyoming). Our affiliate companies and extensive national provider agreements enable us to offer products and services across the entire country.
Initiatives and Programs
Through many innovative partnerships, Independent Health is engaging individuals to take greater control of their health and shift the health care model from being reactive to one that is proactive.
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