subject: The Types Of Health Insurance You Have To Choose From [print this page] When it comes to health insurance coverage many people are worried about truly understanding their choices and the differences between the types of policies that are being offered. Of course, if you have an employer based health insurance coverage then you probably don't really have a choice as to which plan you are on but if you do have a choice the following is a quick overview that can help everyone get a better understanding of the three main types of health insurance coverage.
INDEMNITY POLICIES - These are the types of health insurance policies that used to be considered the best of the best in the day but have become so costly that most companies don't even offer these as an option any more. These are the plans that offer a co-pay and deductible with exclusions and limits but these are also the plans that allow you to see any physician you so desire. These are extremely detailed policies that outline many details in their policy documents.
A PREFERRED PROVIDER ORGANIZATION or PPO as it is more commonly known as offers policy holders the option of going outside of their network. If they decide to use doctors or facilities outside of the network they will still enjoy help in paying for the services they receive but at a much reduced rate. This plan also offers a group of physicians who are considered equals for the policy holders.
Next, lets take a look at a Health Maintenance Organization or HMO. This plan offers the individual the choice of choosing only one physician as their primary physician and this doctor is the one that must okay all requests of care. Often this plan is viewed by policy holders as being very restrictive for various reasons, one being that this one doctor is the only one that can do referrals. However, many also say that the benefits and care they receive is better than they expected.
One significant issue people will eventually have to confront is their own health care and one that should be entered into with careful consideration. Even if the health insurance is employer supplied or it is from a private company, you still should want to know what you are getting and if it will best serve your needs as well as your other family members. This will require you to take some time to understand and familiarize yourself with the policy and benefits, but it will be time well spend and you won't have to focus on regrets that others will do because they didn't take the necessary time to research their choices.
by: Ethan Kalvin
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