What are the different types of individual health insurance coverage?

Individual health insurance coverage is sold directly to the consumer, rather than introducing through the employer or benefits. It can be used to cover individuals, lonely parents with addicted children and families. There are several different types of individual health insurance plans from many brokers of health insurance. Insurance experts propose to invest for some time in research and comparing various types of plans to find the best solution.

HMO or health management organization is a type of individual health insurance coverage that seeks to provide comprehensive care. Plans cover services such as annual checks, diagnostic tests and preventive care. Like most healthcare plans, the HMO is paid by a combination of monthly insurance and personal care contributions. Many HMO people are obliged to pay deductible, which is a reduced fee, for visiting every doctor, as well as for regulations. One of the tne -enems with the HMO plan thatMany insurance companies assign primary care to the buyer and there is low flexibility for doctors change.

For people who want to have more choice with doctors and specialists, the individual health insurance program may be a service fee for a better choice. Although usually somewhat more expensive than the HMO plan, the service fees plans allow individuals to go to any physician he wants, including specialists. However, service fees plans often include a lot of paperwork for users because they will have to file and submit requirements for every visit or treatment of a doctor. This type of plan may also have a limited emphasis on preventive care coverage, which means that a person can be responsible for full service costs such as tests and immunization.

and the preferred provider Organization or PPO provides a certain compromise between two former types of individual ZD plansRavot insurance. PPO allows the buyer to choose his primary care from the list of network doctors and gives the buyer flexibility to change to other network physicians at any time. If a person decides to go to a doctor who is not in the PPO network, the insurance company can still cover some, but not so much, cost.

Individual medical insurance coverage can also be described in terms of the above coverage. Some plans only offer catastrophic coverage that covers fees for deductible for serious health problems such as surgery, cancer treatment or traumatic injuries. Some comprehensive plans include services from other areas of health care, such as tooth coverage or visions or coverage of alternative treatments such as chiropractic care. In general, the more services that the plan applies to, the more expensive the monthly bonus.