There are two types of health insurance which include public and private health insurance, wherein private health insurance is usually offered by employers or other organizations. There some are employers offering only one type of health insurance plan, while there are those that allow choosing from more than one plan. Manage care is provided by private health insurance that offers plans dealing with certain health care facilities and providers, providing care at lower costs as part of the network plan. When it comes to manage care plans, the three types are HMOs (Health Maintenance Organizations), PPOs (Preferred provider Organizations), and point of service.
Health Maintenance Organization (HMO) refers to manage care plans that usually pay only for the medical care within their own network of health care providers, that cost less than plans offering wider choices of providers. Preferred Provider Organizations (PPOs) refers to manage care plans that cover more medical costs within their own network of health care providers, and they also can cover some costs for health care received outside the network. Point of service refers to freely choosing between HMO or PPO every time you get medical care. There is what we call as indemnity or fee-for-service plans which are different from managed care plans, wherein the choice of hospitals or doctors you can use for your care is not at all restricted. Indemnity care plans pay a fee to a health care provider every time you receive medical care as covered by the plan, and the costs paid usually by the own pocket of the patient as compared to managed care plans. It only means that this plan allow you to choose any healthcare provider for any healthcare treatment.
The different private health insurance plans are individually-purchased family coverage and employer-provided group coverage. The different health insurance benefit include hospital-surgical benefits, wherein it covers inpatient hospital services as well as surgical procedures that include diagnostic procedures, nursing care, laboratory tests, and room and board. Health care insurance also has basic benefit provisions such as oxygen, ambulance service, and specific medical tests. Major or comprehensive medical benefits include inpatient and outpatient hospital and physician services which are not covered under the basic benefits of a plan.
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