There are many different types of health insurance programs, most of which can be divided into three basic areas of protection. The first type of protection is called a fee-for-service indemnity plan and generally provides for hospital, surgical and medical needs, including major medical, comprehensive, catastrophic, and dental plans. This insurance is provided by commercial insurance companies, independent organizations, and by Blue Cross and Blue Shield.
Rates depend on which plan you buy, the level of coverage your employer or you choose, and whether you purchase individual or family protection. The second basic type of health insurance protection is the prepaid health care plan. The major providers of prepaid care consist of HMO's or health maintenance organizations, and PPO's or preferred provider organizations.
These are groups of doctors, hospitals, and other health care professionals who have joined together to provide members with prepaid medical care. Instead of paying a premium, each member pays a flat monthly or quarterly fee. The last type of coverage available is governmental health insurance, including both Medicare and Medicaid. check
your local governmental offices to see if you qualify. For more information about health insurance, contact a local insurance professional in your area.
Source:http://www.abc15.com/guides
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