Health Insurance

Just knowing that “What is a health insurance” is not quite enough. It is neccsary to know all about the facts regarding health insurance when you are are going to take policy.

We all familiar with the term HMO and PPO but most of us does not know that what exactly they says and what is the difference between HMO and PPO.

Basically there are two types of Plan which are available in the area of Health Insurance. Out of them one is indemnity plan (Reimbursement Plan) and another one is Manage care plans such HMOs (Health Maintenance organization), PPOs (Preferred Provider Organization) and point of service plans.

An indemnity plan is a plan in which there is full choice up to insured person in which he has the full choice to choose his own doctor and pays for his own medical expenses.

A Managed care plan is that plan in which the insured person has to bind with some rules in which there is a full arrangement depending upon the plan. There is list of doctors in which the insured person has to go for that doctor. There is a Network of doctors and Hospitals in such a types of Plans.
There a types of Health Insurance plan and they can be classified as .

Group Health Insurance
Individual Health Insurance
Dental Insurance
Travel Health Insurance
Short Term Health Insurance
Long Term Care Health Insurance
Student Health Insurance
Pets Health Insurance
Employee Health Insurance

Health Insurance USA

There is a wide network of Health Insurance in USA. There are around more than two hundred companies involved in Providing Health Insurance. There are some private companies and there are non-profit companies. Some of them are here.

Aetna Health Care
Aflac (American Family Life Insurance Company)
BCBS (Blue Cross Blue Shield Insurance)
Regence
Cigna
Kaiser Permanente
UnitedHealth Group
Highmark
Premera Blue Cross