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What are the advantages of health insurance?

Medical costs are increasing day by day. You can obtain health care services without worrying about expenses by purchasing Ann Arbor health insurance. There are various benefits of health insurance depending upon the plan you purchase. Generally there are two types of health plans: managed care plan and indemnity plan.

What are the benefits of Managed care plans?

Managed care plans can be grouped into Health Maintenance Organizations (HMO), Preferred Provider Organization (PPO) and Point-Of-Service (POS) plans. The benefits of health insurance vary with the types of plans.

• HMO benefits: HMO plans provide you comprehensive prepaid health care service. If you require to be treated by a specialist, the primary care physician will refer you to a specialist within the HMO network.

• Benefits of PPO: This plan provides you flexibility of seeking health care services from outside the network. PPO networks provide prescription services that help you to purchase prescribed drugs at a lower price.

• Advantages of POS: A POS plan provides full coverage if the primary physician refers you to a specialist within the same network. You also get certain amount of coverage if the referred physician is outside the healthcare network.

What are the advantages of Indemnity plans?

With an indemnity plan, you can have the greatest freedom to choose a medical facility or physician. Following are the benefits of health insurance indemnity plans:

• Indemnity plans offer you freedom to receive health care services wherever and whenever you require. Your selection of a hospital or doctor is not limited by geographical boundaries.

• Basic coverage of this plan covers multiple doctor visits and also the expenses of surgeries, hospital rooms, x-rays and most medications prescribed in the hospital.

Benefits of health insurance are many. Based on the benefits and your medical needs, you must find out which health plan will suit you the best.

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