These are the four most popular types of health insurance for Individual and Family coverage.
1. PPO or "Preferred Provider Organization" plans are the most popular for Individual and Family health coverage.
2. HMO plans. HMO means "Health Maintenance Organization." HMO plans offer a wide range of health care services through a network of providers that contract exclusively with the HMO, or who agree to provide services to members.
3. HSA-eligible Plans - These are usually PPO plans with higher deductibles, designed
especially for use with Health Savings Accounts ("HSAs"). Similar to a 401(k), an HSA is a special bank account that allows you to save money - pre-tax - to be used specifically for medical expenses in the future.
4. Indemnity plans - These allow you to direct your own health care and visit most any doctor or hospital you like. The insurance company then pays a set portion of your total charges. You may be required to pay for some services up front and then apply to the insurance company for reimbursement.
*Not all plans and providers are available in all states.
*There are many types of health insurance plans and dental plans. Before purchasing any health insurance plan or dental plan be sure you understand exactly what is covered. Dental Insurance and Discount dental plans are not the same and not all providers offer the same type of coverage. Be sure to speak with a licensed health insurance agent for the details and specifics of the health insurance plans available in your state.
** This site is an informational site only and is not a substitute for the medical expertise and advice of your primary health care provider. For any healthcare or dental health concerns be sure to discuss treatment options or care with your health care provider.
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