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Wednesday, November 26, 2008

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There are two essential categories of health insurance: managed care and indemnity plans. Though you�ll pay more for indemnity coverage, it offers much more flexibility than does a managed care plan. Through indemnity coverage, you�ll have your choice of doctor, lab, hospital or specialty clinic. When you seek medical care, you�ll have to pay an out of pocket expense�called a deductible�before your coverage will kick in. Deductibles range from a few hundred dollars up to $1,000 or more, depending on your policy. Also, indemnity plans require a co-payment on medical care
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