What are the different types of health insurance?

There are two basic types of health insurance: service and controlled care fee. Managed care includes the principles of health maintenance (HMO), the principles of the service point (POS) and the principles of the organization of preferred providers (PPO). Any policy can be purchased as part of a group plan or as an individual and can be offered for long -term or short -term coverage. They provide the largest selection of doctors and cover either basic care or main treatment expenses depending on the subscriber selection. Customers apply to the bonus to obtain discounted rates when visiting and services of a doctor. There is a deductible, which must be met before the policy is covered by many expenditures, and the securing is paid for it deductible. The most common amount of insurance is 80/20, which means that policy covers 80% of costs, while the subscriber pays the remaining 20%. The total number of Pocket SPE is capped in a year.

Health insurance policies under the head of HMO are prepaid plans that cover all basic medical services such as office visits, emergency care, laboratory work and therapy. Customers usually pay Copay for visiting offices. The choice of doctors and hospitals is limited to those on the network, and often the insurance company chooses a doctor for subscribers. In order to visit a specialist, the doctor must be provided with recommendations and the specialist must also be on the network. HMO plans generally cover preventive care and have low cost of pockets and many plans have deductible services that this policy does not apply.

POS Health Insurance works very much like HMO plans. The primary difference is that doctors who are outside the net can be covered. These plans tend to have the lowest kick and low to no deductible. Premium is a Highst politician because subscribers pay for the luxury of choosing and the ability to have as many services as possible.

ppo is a estateAgainst the service fee and HMO principles. There are limited doctors in the network, but the subscriber can choose which doctor they want from the list. Doctors outside the network are covered, but the subscriber has to pay a more fee for them than those on the network. Sometimes there is a deductible apartment. Many fees are paid forward and are returned later, either by a sponsoring employer or by an insurance company. These types of health insurance have more paperwork than others, because of this procedure for reimbursement.