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Common types of Health Insurance Plans
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Some of the Health Insurance Plans available
Health Maintenance Organizations are a popular type of insurance for both individuals and families. They provide both preventative, regular and emergency care through a network of hospitals and physicians. A preferred provider is at the center of this system and all referrals for specialist services pass through them for referral. Emergency care is provided at designated facilities and use of physicians or services outside of the HMO are frequently not covered, Deductibles and co-pays may apply but wellness visits are encouraged.
A hybrid of the HMO and PPO it may require a preferred provider to monitor any need for specialist care and there is a network to provide services but out of network services are also possible. Deductibles and copays may apply.
A plan that carries a high deductible before the insurance begins to pay sometimes called a catastrophic health plan since it is not activated until expenses reach a pre-set point. Useful for young, healthy individuals who wish to save on premiums but want some protection in case of unexpected illness or accident. First dollar paid by insurance company only when deductible amount is met.
Plan is similar to an HMO but does not require a preferred provider to monitor services for referrals. It does have deductibles and co-pay’s for services used so most doctor visits require payment for services rendered. The PPO provides a list of physicians and services that are part of the network and the policy holder is free to choose from them. Coverage for services outside of the PPO are available but not encouraged.
The most restrictive plan requires that the policy holder use only those physicians and services that are a part of the EPO. Services other than emergencies provided by anyone other than an EPO provider are not covered, Deductibles and co-pays may apply.