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Health Insurance Information
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
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
- 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