Health Insurance 

Health Insurance

Heath insurance coverage usually comes in two types: fee-for-service and managed care. Both of these types cover a wide range of medical expenses, including doctor visits, hospital stays, surgery, and prescription drugs. Fee for service health insurance plans pays for medical fees each time a medical service is used by the patient. Patients see a doctor or other medical professional, and either the doctor or the patient files the claim. Most people in the United States have some form of a managed care health insurance plan. Managed care plans include Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs) and Point-of-Service (POS) plans. Many of these types of plans pay more of the patients' costs when the patient uses a doctor affiliated with the particular health insurance plan.