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Family Health Coverage Options

Indemnity plans – have a larger selection of healthcare providers than managed care plans. Once the bill is received for services they pay a share of those costs. Indemnity plans are becoming increasingly popular.

Managed-care plans – HMO, PPO and POS plans use provider networks. This means healthcare providers have agreed to perform their services for patients at pre-negotiated rates; most of these providers submit claim forms to the insurance company for payment.

Discount Plans - Contrary to some bad publicity some of these plans can offer some benefits under certain situations. If you are healthy, have no previous medical history, and if carefully selected, some of these plans can offer substantial medical discounts. Often times these plans include discounts on dental, vision, chiropractic care, and in addition provide some minor medical discounts depending on what plan is chosen.

All of the above plans have advantages and disadvantages depending on one's viewpoint. Determining which option is best for your family should be carefully examined.

If considering a managed-care plan, you must evaluate the participating healthcare providers in your area, if there are enough and not too great a distance from where you live. Managed care plans generally offer lower out-of-pocket expenses and less paperwork. Indemnity plans may provide a larger number of physician options, but may require a greater upfront payment.