What are the different types of health insurance plans?

There are several types of health insurance plans available in North Carolina. The most common type is the traditional fee-for-service plan, which allows you to choose your own doctor and schedule your own appointments. In this type of plan, you pay a set amount regardless of the cost of services. Another type of plan is the health maintenance organization (HMO). With an HMO, you will receive care from a designated network of providers, and you will be required to select a primary care physician who will coordinate all of your health care services. The third type of plan is the preferred provider organization (PPO). With a PPO, you can access a network of providers for a discounted rate. You are also allowed to visit doctors outside of this network, but you will typically pay more for those services. The fourth type of plan is a high-deductible health plan (HDHP). With an HDHP, you will have a higher deductible, but lower premiums. Finally, there are short-term health insurance plans. Short-term plans are meant to provide short-term coverage for up to three months in cases of emergency, temporary illness, or when transitioning between health plans.

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What are the different types of health insurance plans?

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