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What kinds of health insurance are there? Back
 

There are essentially two kinds of heath insurance: Fee-for-Service and Managed Care. Although these plans differ, they both cover an array of medical, surgical and hospital expenses. Most cover prescription drugs and some also offer dental coverage.

  1. Fee-for-Service
    These plans generally assume that the medical professional will be paid a fee for each service provided to the patient. Patients are seen by a doctor of their choice and the claim is filed by either the medical provider or the patient.

  2. Managed Care
    More than half of all Americans have some kind of managed-care plan. Various plans work differently and can include: health maintenance organizations (HM0s), preferred provider organizations (PPOs) and point-of-service (POS) plans. These plans provide comprehensive health services to their members and offer financial incentives to patients who use the providers in the plan.
 
What kinds of health insurance are there?
There are essentially two kinds of heath insurance: Fee-for-Service and Managed Care. Although these plans differ, they both cover an array of medical, surgical and hospital expenses. Most cover prescription drugs and some also offer dental coverage.

  1. Fee-for-Service
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How do I pick a health plan?
If your employer gives you a choice of plans or you need to purchase your own coverage, it is crucial that you understand your health insurance choices and pick the insurance that is best for you and your family.

Here are some questions you should ask yourself when choosing a health insurance plan:


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Can I buy an individual policy?
Yes. If you are unemployed, self-employed, or decide to return to school you may want to buy an individual health insurance policy.

Here are a number of options that you may consider:

  1. Ask your insurance company if you can convert its group policy to an individual policy. You wil...
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If I change jobs or become unemployed, can I bring my coverage with me?
If you switch employers, you have the right to carry your group health insurance coverage with you to a new job for up to 18 months under the Consolidated Omnibus Budget Reconciliation Act (COBRA).

You must pay the full premium, but at group rates that are far cheaper than the individual rates you would pay for similar coverage. Health ins...
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Where can I get more information regarding health insurance?
If you have specific questions regarding your insurance coverage, contact your health plan directly or speak to the benefits administrator where you work. For information on Medicare, call the agency at 800-638-6833 .

Consumer information on the various health insurance plans that exist today is available from two leading insurance trade as...
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