Health

Health insurance plans usually fall into one of two categories: indemnity plans (also known as reimbursement plans) and other one managed care plans such as health maintenance organizations (HMOs), preferred provider organizations PPOs), and point of service (POS) plans. An indemnity plan gives the privilege to choose your own doctors and pays for your own medical expenses - totally, in part, or even up to a specified amount per day for a specified number of days. Managed care plans generally provide wider coverage, but they all have an arrangement between the insurer and a selected network of health-insurance providers (doctors,hospitals, etc.). For example, an HMO would require that a primary care physician in the network coordinate all of your care and also refer you to specialists in the network.

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You may get health insurance through a group insurance plan at work or through another group affiliation (a school, a club, etc.) or by purchasing an individual insurance plan on your own. By purchasing an individual insurance plan on your own, you might even be able to modify the health plan. Shop online to compare rates from numerous companies to find the best plan and rate to meet your needs.

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