Features of Health Plans
HCR/220
12/14/14

When looking for different health care plans that’s offered there are five different kinds. Everyone just have to search and find what healthcare plan is right for them. Indemnity, Managed Care, Point of Service, HMO, and PPO are all five health care plan. Indemnity healthcare plan. Indemnity the patient choses the healthcare provider they wishes to see, with no limit. There is a deductible that a patient must pay before the insurance starts to pay. Managed care doesn’t have an open policy where you can see whatever health care provider you want. Managed care offers lower deductible to patients. Health maintenance organization also known as HMO have a network of providers. The people who enroll in HMO only use the providers within the HMO network. Point of service plans is part of the, it gives patient an option to choose a provider outside the HMO network. When patient do this they have to pay a fee to see other providers. Preferred provider organization also known as PPO is one of the popular insurance plans. PPO offers a discounted price to its patients from the providers, when the patient have an office visit they will have to pay a co-payment of $20 and PPO will pay the remainder balance. I don’t think that any one plan is great, I think that all of the plans are great. When you do the research on them they are great for the person who can afford them or for the person that it’s right for. But if having to choose one I think that point of service plans are great because you get to choose your plans outside of the network.

References
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