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What types of health insurance policies are available?
There are two primary types of heath insurance programs - Managed Care Health
Insurance and Fee-for-Service Health Insurance. These health insurance plans
have similarities and differences let's examine each type of policy.
Both programs will cover a broad assortment of medical expenses; including
hospital visits, surgical procedures, and partial hospital stays. Most health
insurance plans also include dental coverage and prescription drugs reimbursement
levels.
1. Fee-for-Service.
These health insurance plans dictate that the health care or medical professional
be paid a set fee for each individual service administered to the patient
or policy holder. A doctor or medical practitioner of their choice can see
the medical caregiver or the patient - health insurance policyholder, can
file Health Insurance policyholders or Patients and the insurance claim.
2. Managed Care.
Over 50 % of American citizens retain some form of managed care health insurance
plan. The Managed Care plans and participating providers vary and often
include: health maintenance organizations - HM0's, preferred provider organizations
- PPO's and point-of-service - POS programs. The Managed Care policy is
designed to offer coverage on an extensive assortment of health care services
and also include financial rewards to policyholders for seeking care from
health care professionals participating in the program.
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