Definition Drug allergy is an immunologically mediated reaction to a drug, which is quite different from its pharmacodynamic profile. It is entirely unrelated to its dosage. It is sometimes also called drug hypersensitivity.

Types There are many different types of drug allergies but broadly there are two different types: a) Humoral It is further subdivided into type I, type II and type III based on type of cells involved. b) Cellular

Health Insurance: a sense of dissatisfaction The three C's, customization, consumerization and customer-satisfaction, seem to be at core of business mantra for every service provider. The health insurance provider industry is no exception to this rule. With an increasing concern among tax payers of US regarding number of people uninsured in country, there is a burgeoning market for providers. Even though, this seems to be a buyer's market, there seems to be a lot of dissatisfaction among people with red tape and bureaucracy involved in claims processing, exclusions and limitations. Based on a survey conducted a couple of years ago, only 1 in 4 Americans said, they are "very satisfied" with their medical coverage. In general, consent was that people were dissatisfied with bureaucracy of provider, rather than health plan itself. http://www.healthinsurancedepth.com

Taking a closer look at Indemnity Plans Let us now try to take a microscopic view of intricacies of two major types of health insurance: Indemnity vis-à-vis Managed Care. The Indemnity is traditional fee-for-service plan allowing more flexibility in terms of choosing your physicians and health care providers in lieu of an annual deductible amount. This is also referred to as typical private or individual health insurance plan, tailored to person's situation. Exclusions are defined when you buy your policy for your particular scenario. Due to personalization nature of policy and subsequent risk exposure to insurer, this comes with a higher price tag.

Exploring intricacies of a Managed Care Plan A Managed Care plan will typically restrict individual to visiting in-network set of physicians, hospitals and health care providers. This encompasses Group Health Insurance plan, usually extended as part of an employer benefit. A single policy is designed for a big group of individuals belonging to different age groups and with varied medical conditions. Due to economies of scale, in terms of risk distribution, these plans have lower premiums and out-of-pocket expenses than private health insurance plan. ( http://www.healthinsurancedepth.com )There are three variations of Managed Care plans: PPO (Preferred Provider Organization), HMO (Health Maintenance Organization) and POS (Point-of-Service). The in-line exclusions of these plans are a major concern, which are probably not always evident to policy holder till unforeseen happens. The provisions in policy are decided between insurer and policy owner (typically your employer). Due to restrictions imposed to visit doctors registered with plan, you may come across a situation where you do not have a doctor to treat your specific illness. Simple surgeries and diagnostic tests can add up to thousands of dollars in medical expenditures due to exclusions. In long run, lower premiums may not actually save your money due to these occasional exclusions/limitations. Thus, it always becomes an annoyance for consumer to choose a well-rounded managed care plan that covers all or most of medical diseases and/or illnesses.( http://www.healthinsurancedepth.com ) The bureaucracy and red tape involved in these policies to obtain authorizations and referrals even for slightest of variations, for cost control measures always lead to a lot of dissatisfaction. Typically, you are also required to go through a primary care physician (PCP) for any of your treatment needs and may not be able to get your treatment done with doctor of your choice to avoid excessive costs to insurer. http://www.healthinsurancedepth.com