Health insurance rates in
There are two types of health insurance plans:
* Indemnity plan - This plan lets you choose your physicians and pays for for all or part of your medical expenses. This is the most expensive health insurance plan.
* Managed care plans (HMOs, PPOs, POSs) - These plans set you up with a network of health care providers and hospitals, and pay for medical expenses within that network. Depending on the plan, you pay all or part of your out-of-network expenses. These plans are the least expensive health insurance plans, with HMOs being the cheapest.
Health Insurance Coverage
Whatever plan you choose it should include the following coverages:
* Hospital coverage - Pays for your room, board, and medical services when you're hospitalized.
* Surgical coverage - Pays for surgeons fees and other surgical expenses.
* Physicians coverage - Pays for your physician's office visits and your physician's hospital visits.
* Major Medical coverage - Pays for medical expenses from a catastrophic injury or illness like cancer.
In addition to the above coverages you may want your plan to include prescription drug coverage, dental care, vision care, mental health care, and maternity care.
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