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There are two types of health care plans on the market - indemnity plans and managed care plans. An indemnity health care insurance plan is becoming less popular as they generally require you to pay upfront for services and submit a claim for reimbursement, plus they generally end up costing you more money in the long run. Managed health care insurance plans are much more common and are explained in the next section.
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Managed Health Care Plans
There are three types of managed health care plans and they are briefly explained below:
- PPO, or Preferred Provider Organization, healthcare insurance plans encourage you to use their network of preferred physicians and facilities that have negotiated discounted rates to provide service to policy holders. You will be able to see any doctor in the network without first needing to get a referral, but you will most likely have an annual deductible you need to satisfy and have copayments or coinsurance for certain services. While you can seek care outside of your network, this will result in higher out-of-pocket costs for you.
- HMO, or Health Maintenance Organization, healthcare plans require you to have a primary doctor that will take care of the majority of your medical needs and will give you referrals to specialists if necessary. Your out-of-pocket costs are generally lower with an HMO, as you might not have a deductible or copayments, but you likely will not have coverage from a specialist or out-of-network doctor without a referral from your primary doctor.
- POS, or Point of Service, healthcare plans combine some features of an HMO with some features of a PPO. You have to choose a primary care doctor whose coverage is not subject to a deductible, but you may be subject to a deductible if you seek care outside of your network. A POS offers some of the flexibility of a PPO with some of the cost savings associated with an HMO.
When it comes to choosing a health care insurance plan, you need to decide if flexibility in choosing a doctor is more important, or cost savings is what interests you the most. fun88.com, makes it easy to compare different healthcare insurance plans and see which has the benefits you desire the most.
Health Care Insurance Plan Quotes
Instantly get quotes for various health care insurance plans with eHealthInsurance, the leader in providing health care plan information on the Internet. You can rest assured knowing that the quotes you get from eHealthInsurance for a particular plan are the lowest rates available as premiums are set by the Department of Insurance and are identical no matter where you get them from.
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