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Health Insurance Guide > What types of individual and family health insurance plans are out there?What types of individual and family health insurance plans are out there?These plans are categorized as either "indemnity" or "managed-care" plans. Generally speaking, the main differences deal with choice of healthcare providers, additional costs and how bills have to be paid. Normally, indemnity plans offer a larger selection of healthcare providers than managed care plans. Indemnity plans pay their part of the costs for covered services after a bill is received. That means you may be asked to pay at the time of service and receive reimbursement from your health insurance company.There is a variety of managed-care health care insurance plans. These include HMO, PPO and POS plans. Managed-care plans traditionally make use of healthcare provider networks. Healthcare providers inside a network agree to provide services for managed-care plan patients at previously agreed-upon rates and will normally send the claim to the insurance organization for you. This means less paper work and smaller out-of-pocket costs with a managed healthcare insurance plan and more choice between healthcare providers with an indemnity plan |
 
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