The Different Types Of Health Insurance Plans

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- Health Maintenance Organization (HMO) Plans are
What are the different types of health insurancealso a type of managed care, and offer you even
packages available? Get help to find the mostgreater savings. The tradeoff is your choices are
suitable health insurance plans that is easy on yourmore restricted. To get coverage from your
budget.HMO policy, you must choose a “Primary Care
When you’re shopping for your own healthPhysician,” and you must always get care from
coverage, you don’t have to settle forapproved “in-network” providers. For most
whatever your employer thinks is best. You getpeople, this is a small drawback compared to the
the advantage of choosing the right plan for you.affordability of HMOs — which often feature no
 deductible.
And you have plenty of options. 
 - Point Of Service (POS) Plans combine managed
Types Of Health Policiescare with traditional health coverage. Just like an
There are several kinds of policies for you toHMO, you select a Primary Care Physician to see
choose from. Here are a few of the mostfor routine care. But when you need to see a
popular.specialist — or get a second opinion — you're
 free to see any doctor you choose.
- Preferred Provider Organization (PPO) Plans are 
a popular choice for people who value flexibility. A- Fee For Service (FFS) Plans aren’t as
form of managed care, PPOs give you the mostpopular as they once were. These plans are
savings when you get care from a doctor,modeled after traditional “indemnity”
hospital or other provider within the plan’sinsurance. In an FFS plan you pay for your care
“network”. But even if you do choose toup front, and are reimbursed by your insurance
receive care from outside the network, your PPOcompany after you file a claim.
still provides some coverage.