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Individuals and Family
There are four major types of health insurance available
to meet the different needs of individuals and families. These include
indemnity
(Fee-for-Service), PPO (Preferred Provider Organization), POS
(Point-of-Service Plan), and HMO (Health Maintenance Organization).
Take a look at the following table for a quick, general comparison
of the different types of health insurance:
| Indemnity - - - - - -
- - PPO - - - - - - - - POS
- - - - - - - - HMO |
| More Expensive <-------------------------------->Less
Expensive |
| More Freedom of Choice<----------->Limited
Options for Care |
Here is a comparison chart for two major health insurance providers,
Blue Shield and Blue Cross:
|
Blue Shield |
Blue Cross |
| Physician Services |
 |
 |
| Prescription Drug Coverage |
 |
 |
| Rates |
 |
 |
Least Value



Best Value
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