Whatever may be the reason to visit the hospital, it often turns costly. So, world over, the common practice is to get into a medical insurance coverage for getting over the costly health care bills in such situations. There are different types of schemes to get into and the coverage style also varies. So it is better to have a basic knowledge of the different types of plans available before deciding upon a plan that seems perfect for a person.
Generally there are 4 types of plans which the insurance agencies provide.
- The first of these is the Health Maintenance Organizations (HMO). In this type of plan one pays for the coverage in advance and does not have to pay for each health service activities separately. The premiums are generally of monthly nature and the range of benefits includes preventive care, dental care, care for vision, etc. The health service providers are generally employees of the organization and will act as what is known as ‘primary care giver’. They will be responsible for coordinating the health care operations and generally need a co-payment option for hospital stay specialist visit, and the like of it.
- The next type of plan is Point of Service Plans. The POS plans do not need one to get referrals from the primary care giver for any medical needs. Instead there are three options. One can still get referral from the primary health care provider and then get under HMO plan; or, one can avail care through the Preferred Provider Organization and get coverage under their terms and conditions; or, choose for care options outside these two and get benefits on out-of network rules.
- The third type is the Preferred Provider Organization or PPO where the insurance agency offers an assortment of doctors and medical and health care facilities for treatment under their network. One has the flexibility of opting for treatment outside their network subject to ‘out-of-network’ rules.
- The last type is the Fee-for-Service or Indemnity plans. This is the traditional service plan that has a fixed deductible coverage which reimburses the cost of treatment within that amount. This is the most flexible of the plans and allows choosing a physician and medical care provider at one’s wish.
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