TYPES OF PLANS IN THE UNITED STATES

SOCIAL ISSUES IN THE UNITED STATES

Most Americans selecting private insurance plans choose either an indemnity plan (also known as a fee-for-service plan) or a type of managed care plan. Indemnity plans allow subscribers to go to any doctor, hospital, or other health care provider, and the insurance company and the patient then share the cost. Managed care plans deliver health care services by designated providers in addition to paying part of the cost of those services. However, the distinctions between indemnity plans and managed care plans have become increasingly blurred. For example, some indemnity plans offer incentives to subscribers who choose certain kinds of health care providers. At the same time, some managed care plans allow subscribers to visit a range of health care providers not employed directly by the plan.

The United States Department of Health and Human Services oversees publicly-funded programs that provide limited health insurance for some Americans. The Medicare system provides coverage for elderly people and for people with qualifying disabilities. The Medicaid program provides coverage for some low-income Americans.

REASONS FOR HEALTH INSURANCE