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MedicalHealth insurance plans are usually described as either indemnity or managed care. Indemnity and managed care plans differ in their basic approach. Put broadly, the major differences concern choice of providers, out-of-pocket costs for covered services, and how bills are paid. Usually, indemnity plans offer more choices of doctors (including specialists, such as cardiologists and surgeons), hospitals, and other health care providers than managed care plans. Indemnity plans pay their share of the costs of a service only after they receive a bill. Besides indemnity plans, there are basically three types of managed care plans: PPOs, HMOs, and POS plans. Related Link:
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