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The Six Common Types of Health Plans | |
With the Marketplace making Health Insurance products more accessible and affordable than ever before, people have the opportunity to choose from MANY different policies, as opposed to before when most people just took whatever insurance an Employer may have offered them. While most people are familiar with or have heard of HMOs and PPOs, newer types of policies have become increasingly popular. So what are the main six kinds of Health Insurance Plans? Health Maintenance Organizations (HMOs) An HMO has all of your health services go through a network of healthcare providers and facilities. If your Doctor/facility is not in the HMO Network, then the Insurer will not cover your services. With an HMO, you may have: The least freedom to choose your health care providers No claim forms Your Primary Care Doctor will manage your care and refer you to Specialists within the Network. Most services under an HMO require a referral. If you see a doctor who is not in the network, you'll may have