There are so many different types of Health insurance plans. Picking the right one can be troublesome in the beginning, especially if you don’t know what you are looking for.
Health insurance is divided into two large categories—indemnity and managed care plans.
Indemnity plans, also commonly called reimbursement plans, will reimburse your medical expenses up to a certain limit. Under the Reimbursement plan, the insurer pays a percentage of the total charges, regardless of how much the charges are.
With the indemnity plan, the insurer pays a specified amount every day for a specified number of days. The amount reimbursed does not rely on the cost of medical care, but what you are reimbursed will never exceed your expenses.
The Managed Care Plans.
The three types of policies categorized as managed care plans are HMOs, POSs, and PPOs.
This type of insurance is more popular than the indemnity plan, as they offer more flexibility. With these types of options you either pay a monthly fee no matter how many times you see a doctor, or you pay a co-payment.
With managed care plans, you are given options of care. The plan you choose and the amount of money you wish to pay determines how big of a network of doctors and specialists you can see and still be covered under the plan.
Some managed car plans (most often PPOs) offer sponsorship programs from a network of hospitals and medical services. This kind of health care is often, commonly, provided by your employer.
Managed health-care plans are better for the average person because they are the more cost effective. While indemnity plans may give you a lot more freedom in cost, you will have to use the health-care provider that the insurer chooses.
If you have a specific disability, this can present itself as a problem. In the long run, a managed care plan will save you money, especially if emergencies arise when you are out of town.
Before you purchase any kind of health insurance, be sure to research the many options available for you and your family to ensure you receive the best coverage possible for the lowest monthly premium or deductible.
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