| There are several health insurance plans available in | | | | switch of doctors and hospitals and you can do this |
| the US: Managed Care, Fee-for-Service Plans, Health | | | | through the country. However you have to careful as |
| Maintenance Organizations (HMOs), Point-of-Service | | | | only part of the expenses are covered by the insurer |
| Plans (POS), Preferred Provider Organizations (PPOs). | | | | and you have to carefully check the conditions of your |
| Managed Care Plans. | | | | insurance policy not to end up with huge medical care |
| Managed care is very popular in the United States. | | | | costs that you have to pay. |
| This type of plan helps insurance companies to control | | | | Health Maintenance Organizations. |
| the medical care costs. All kind of plans have some | | | | Health Maintenance Organizations (HMOs) are prepaid |
| sort of managed care program. Generally speaking | | | | plans. If you are a member you pay some fee every |
| you might be asked to take approval from your | | | | month. In return when you need to use any kind of |
| insurance company before any medical care is | | | | medical care it is arranged from the organization. The |
| received otherwise the costs may not be covered by | | | | HMOs use their group of doctors and practices or |
| them. | | | | other doctors that have contact with the group. Usually |
| Fee-for-Service Plans. | | | | your family members are also covered by this kind of |
| Fee-for-Service Plans is the traditional health insurance | | | | health insurance plan. |
| type of plan in the US. Under this plan the insurance | | | | If you are insured under this plan you will have to |
| company will pay your fees when you use medical | | | | choose a primary doctor who will monitor your health |
| care. | | | | and refer you to specialist when needed. |
| This is a flexible medical insurance plan as it allows | | | | Point-of-Service Plans. |