| When you're getting ready to look for health | | | | medication bill. If you your family a relatively |
| insurance you need to know that health insurance | | | | healthy this can be a way to save some money. |
| consists of two types of plans. The first type is | | | | Managed healthcare usually comes in the form of |
| called an indemnity plan and second one is called a | | | | an HMO also known as health maintenance |
| managed-care plan (a.k.a - HMO). Furthermore | | | | organization. HMOs are just a group of hospitals |
| these plans can be broken down into smaller plans | | | | doctors clinics and other medical facilities that are |
| so it's important to what you getting into. | | | | part of a network whose purpose is to keep |
| Let's go ahead and talk about indemnity | | | | costs lower. Yes it's true, HMOs can save you |
| healthcare insurance. Indemnity plans are what | | | | quite a bit in medical bills however you're limited to |
| most of you are probably used to. You have the | | | | the healthcare services in that network. |
| right to choose your doctors medical facilities and | | | | HMOs always seem to make the news. They are |
| miscellaneous health care items. You or your | | | | notoriously cheap (they kinda have to be to keep |
| employer may pay a set premium on a monthly | | | | costs down). If you need to get any kind of |
| basis in some cases you may have a high | | | | special care (as in seeing a specialist) you'll have to |
| deductible or a low deductible that you'll have to | | | | get approval from your primary care physician |
| pay and possibly (usually) a small part of the bill | | | | which always takes a long time. This can be |
| (should you even see one). | | | | especially frustrating for people with serious |
| Indemnity plans can be rather expensive especially | | | | medical conditions waiting to get the care that |
| if you're paying the entire premium yourself. | | | | they really need. That's exactly why HMOs get a |
| Currently premium for a family of four with a low | | | | bad rap. |
| deductible and lots of benefits is running about | | | | After reading this article I'm sure you can agree |
| $2000 a month. If that's too much for you you'll | | | | that indemnity plans are the best way to keep |
| need to raise your deductible or look for a basic | | | | your family healthy by getting them to care that |
| health care plan that covers critical benefits but | | | | they need, however you need to be willing to pay |
| does not cover things like paying 100% of your | | | | the extra cost for better care. |