Health Coverage

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Health insurance can provide numerous plans to suit your healthcare needs. By reading below you will be able to learn more about the different policies and what they have to offer

Types of Policies

Each of the plans below differs in medical treatment procedures, coverage, and payment options.

Indemnity (fee-for-fee): The indemnity option allows you to go to the doctor or hospital of your choice. If you submit a claim, you will then pay the invoice, in which you will be reimbursed later. If you like, you can arrange for the doctor or hospital to collect their fees directly from your insurance company. Indemnity plans are very flexible in who provides your care.

PPO (Preferred Provider Organization): With a Preferred Provider Organization, the insurance company has a set network of care providers (doctors and hospitals). In order to be a part of this network, the care providers discount their fees for service. The PPO plan is usually cheaper than the indemnity plan.

HMO (Health Maintenance Organization): With a Health Maintenance Organization, all of your medical services will be provided by a specific organization of doctors and hospitals. In order to receive service, you must use the providers authorized by your insurance company. There is an annual maximum "out-of-pocket" expense, and HMO's do not charge deductibles and usually require only a small amount for the co-payment.

POS (Point-of-Service): Point-of-Service options provide HMO's with greater flexibility. This means that your primary caretaker can refer you to someone outside the organization at little or no cost.


Common Health Insurance Options

After selecting one of the plans above and establishing its terms, you will be given a proposal containing six different areas.

Doctor Co-Pay: With a doctor co-pay, a small fee will be paid to the insurance company (usually $10-$40) for each visit to a healthcare provider.

Prescription Card: With a prescription card most of your costs for prescription medicines will be paid by your insurance company. With this option, you will only have to pay a fraction of the costs that are associated with prescription medicines.

Accident Supplement (AS): With the accident supplement, if you are in an accident, all costs for any medical treatments will be covered up to a specified amount without having to pay a deductible. If any costs exceed the specified amount, your deductibles and co-pay amounts will apply as normal.

Preventive Care: With the preventive care option, immunizations, physicals, and tests may be covered without having to pay a deductible. Preventive care may be offered as either an option or policy inclusion.

Vision: Your insurance carrier may offer benefits that cover your visual needs. Specific examples include discounted eyewear and co-payment options.

Dental: Your insurance carrier may offer benefits that cover your dental needs. Such things as dental cleanings, examinations, and other dental care may be provided.