Many individuals get their Group Medical Insurance through their jobs or are covered because a family member has insurance at work. Group Medical Insurance is generally the least expensive kind. In many cases, the employer pays part or all of the cost. This is the traditional kind of health care policy.
Insurance companies pay fees for the services provided to the insured people covered by the policy.
This type of Medical Insurance offers the most choices of doctors and hospitals. Health maintenance organizations are prepaid health plans. As an HMO member, you pay a monthly premium. In exchange, the HMO provides comprehensive care for you and your family, including doctors' visits, hospital stays, emergency care, surgery, lab tests, x-rays, and therapy. Usually, your choices of doctors and hospitals are limited to those that have agreements with the HMO to provide care.