In addition, there are often other payments you must make, which will vary by plan. In considering any plan, you should try to figure out its total cost to you and your family, especially if someone in the family has a chronic or serious health condition. Health insurance plans are usually described as either indemnity or managed care. Indemnity and managed care plans differ in their basic approach, both in how much you have to pay and how easy it is to get the services you need. Although no plan will pay for all the costs associated with your medical care, some plans will cover more than others.
Insurance companies pay fees for the services provided to the insured people covered by the policy.
This type of health insurance offers the most choices of doctors and hospitals. You can choose any doctor you wish and change doctors any time. You can go to any hospital in any part of the country. A certain amount of money each year, known as the deductible, before the insurance payments begin. The deductible requirement applies each year of the policy.