Examine your own health insurance plan and describe how the benefit and financing works for you

Health Insurance Analysis (100 Points). The purpose of this assignment is to gain a better understanding of your own health insurance plan. You will be required to examine your own health insurance plan and describe how the benefit and financing works for you (and your family). The analysis should include the following where available: Who your insurance carrier is (or third party administrator for self-funded) including name of insurance, and brief background on the insurance company) What type of insurance plan is it (an HMO, PPO, Indemnity, Self-funded, High Deductible etc.) Identification of the total premium per month for the health insurance that covers you or your family (this includes employee contributions plus employer contributions). Your premiums, copayments and co- insurance (i.e. what is the cost to you?) Any caps on benefits or life time, if applicable Benefits covered and not covered Restrictions (for example, pre-existing conditions) Waiting periods, if any Choice restrictions of doctor or hospital and pharmacy Incentives to use certain health care providers Your experience in using your benefits if any What improvements or changes would you like to see to your medical coverage? This paper should not exceed 3 pages double spaced (4 points for minimum content). Please use headings and subheadings to organize your paper. If you do not currently have health insurance, you may select any insurance plan, and research and discuss the points listed above