What are the different types of family health insurance plans?
Indemnity Plan/Fee For Service Plans (FFS) – Members have more flexibity in choosing their doctors and other specialized health care professionals but it usually requires members to seek care and pay for it first and then bill the insurance company for reimbursement. There are usually deductibles and copays with these types of plans. HMO (Health Maintenance Organization) – Form of managed health care, where members receive treatment for non-emergency care from participating health care professionals. Members must choose a PCP (primary care physician) and referrals are usually required for specialists. PPO (Preferred Provider Organizaion) – Form of managed health care, where members can choose to receive treatment for non-emergency care from their preferred health care professionsals or network professionals. Network treatments are usually cheaper. POS (Point of Service) – Form of managed health care, where members have a primary care physician, who is the primary gateway to seeking tre
