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Family Health Insurance plans are usually an indemnity type plan, or a managed care plan.
The major differences are the choice of healthcare providers, out of pocket expenses, and how your bills are paid.
Typically, indemnity plans will offer a larger selection of healthcare providers than will a managed care plan.
Indemnity plans pay their share of the costs for covered services only after they receive a bill, which means that you may have to pay your healthcare provider up front, and then obtain reimbursement from your health insurance company.
There are several different types of managed care health insurance plans. These include HMO’s, PPO’s, and Point of Service plans.
A managed care plan typically make use of a healthcare provider network.
Healthcare providers within the network agree to perform services for managed care plan patients at negotiated rate and will usually submit the claim to the insurance company for you.
In general, you'll have less paperwork and lower out of pocket costs with a managed care health insurance plan and a larger choice of healthcare providers with an indemnity plan.
