Definition: Insurance Group Health (IGH) refers to a healthcare organization that provides comprehensive and coordinated services for a large number of patients with various needs, such as pre-existing conditions, chronic conditions, or specific medical procedures. This type of health insurance group typically includes specialized staff in areas like management, clinical care, and quality improvement, among others. The IGH often has several tiers of coverage. The first tier, which is the basic plan, provides basic healthcare services such as physical examinations, diagnostic tests, and therapy. The second tier, known as a specialty plan or group policy, offers more comprehensive coverage including specialty services like dermatology, orthopedics, ophthalmology, nephrology, etc. The third tier, also called a managed care plan, is designed to coordinate the medical care of multiple patients under one healthcare provider. This involves setting up an agreement with the health insurance company that outlines the treatment and cost-sharing requirements for each patient. IGHs typically provide coverage in their networks, which means they can access providers without having to negotiate or travel long distances between locations. The network often includes multiple hospitals and clinics, offering patients a wide range of services at reduced costs compared to individual practices. IGHs are a form of managed healthcare that provides comprehensive health care services for a large number of patients. They aim to offer the best possible care to their members, with specialized teams of doctors, nurses, and support staff handling various aspects of patient care.
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