Employee Health Insurance Benefit

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Individual Health Insurance Coverage A Little Help To Understand The Facts
By Jessica Farrell

Choosing the right type of individual health insurance is an important step in looking after yourself. The main three choices when it comes to Individual Health Insurance coverage are Fee-for-service, HMO and PPO.

Fee for service means that you can go to any doctor in the country and you do not need referrals for specialists. This is the most flexible type of cover, and often the most expensive too. You pay a monthly premium and a yearly deductible which is a payment you must make before any insurance payments are made. Certain costs are taken out of this deductible, whilst others may not be covered by it.

HMO stands for Health Maintenance Org...
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