Visual Encyclopedia

Health insurance coverage in the United States

The description above is licensed from Wikipedia under the Creative Commons license.

Add an image or video to this topic

No signin required




Best posts about this topic

Loading . . .


There are two types of funding arrangements that health insurers offer employers (often called plan sponsors) to pay for insurance claims for their employees. The first is called a self-funded plan which means that company you work for pays for any responsibility that the patient does not have (like a copay or deductible or your portion of coinsurance, E.I. 80/20 or 90/10) for a provider that is contracted with the health insurer. For example; you visit a physician and the patient pays a copay of $25.00 a month later you receive an EOB (explanation of benefit) which shows that you paid a copay and also shows additional money that was paid to the provider through the health insurance company. The money that the health insurance company used to pay the provider was given to the health insurance company by your employer. The second type of funding that health insurance companies offer to employers is called a fully-funded plan, meaning that the money used to pay for health services (not including the patient responsibility of a copay or deductible or patient portion of coinsurance) comes from the health insurance company. The difference between the two types of funding is similar to that between an automatic car (fully-funded) and a manual car (self-funded) in that the self-funded plan, the employer has more control over what they will or will not allow for a member's benefits and usually state mandates do not apply to these types of plans. Also with self-funded plans these are usually less expensive to purchase than the fully-funded plans which have to adhere to state mandates, and the benefits usually adhere to the base-line policies and procedures of the health insurance organization.

Contributed by Maria Venderdahl

What is Sussle?

Sussle is the first, open visual encyclopedia. Anyone can use it.

What's a visual encylopedia?

It has beautiful images and viral videos that are way more fun than reading all the text in traditional encyclopedias.

5 reasons you should add your own images and videos:

  1. If you found Sussle interesting, then give back by adding something interesting for others.
  2. Help others learn in a fun way.
  3. Make someone else interested in this topic laugh or say wow!
  4. Become internet-famous as people like and share your post.
  5. It's super easy, so it won't take more than a minute.

Ready to start?

Just click on the red module above.