Hospital and doctor affiliated groups , such as Blue Cross and Blue Shield, organized by medical societies and groups of physicians. Blue Cross and Blue Shield plans operate on a state and community enrollment, but to some extent accept individuals. Family plans are available. The plans vary with the area and the group being served, but offer a wide variety of services. Independent organizations are sponsored by consumer or community groups, employers, unions, private medical groups, fraternal or religious orders, etc.
Independent plans vary, some provide only hospitalization benefits, others complete medical care.
Plans in general provide comprehensive medical care at home, doctor's office, group clinic or hospital. Panels of doctors practice in a group arrangement and patients pay a monthly level premium in order to receive periodic checkups and total health care as covered. Some HMO's are not as comprehensive as others, so check them out before joining. Medicare and Medicaid health insurance programs are government financed and administered. Hospital and medical insurance for persons 65 or over is provided through Medicare.