Individual Health Insurance Plans
Details of Individual Health Insurance Policies
Individual health insurance plans (sometimes called family health insurance plans) are generally categorized as either indemnity health plans or managed-care health plans.
Typically, indemnity health insurance plans offer a broader selection of providers than managed care plans but only pay their share of the costs for covered services after they receive a bill (which means that you may have to pay up front and then obtain reimbursement from your health insurance company).
There are several types of managed-care health insurance plans. These include Health Maintenance Organizations (HMO, Preferred Provider Organization (PPO), and Point of Service (POS) plans.
Managed-care plans typically make use of provider networks. In general, you'll have less paperwork and lower out-of-pocket costs with a managed care individual health insurance policies.
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