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What kinds of health
insurance plans 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.
- 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.
- 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.
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