They also help insure against the disastrous financial loss that can result from an illness or injury. SimplyHealth is here to help. Fee-for Service plans are many times referred to as Indemnity plans. If you belong to an HMO , typically you must receive your medical care through the plan s defined network of physicians and hospitals. You select a primary care physician who will serve as the point person, responsible for directing your care and referring you to specialists, as needed.
Health insurance is available to individuals and groups.
When you receive insurance through work, your employer contributes to the premium and the insurance risk is spread amongst a greater number of individuals. Many trade and professional associations, as well as unions, offer members group health insurance coverage as well. If you work for a small company that does not offer health insurance, or if you are self-employed, individual insurance might be right for you, provided you are prepared to shop around. With our easy to use shopping tool, SimplyHealth can recommend a plan based on quality performance and your specific needs. It s easy, fast and private.