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Best Health Insurance Plan

By Marc Spielberg

Lots of people are still worried over the recent health care bill of the Obama administration. For one, it hinders them from exercising democracy, whether to subject themselves to insurance plans or not. They are, after all, compelled to purchase an insurance plan either from the government or from a private insurance company. Moreover, there is the continuous rise on health insurance plan costs. Health insurance plan through schemes may just be an option.

Health insurance plan is vital. Without it, there isn’t clear support on the increasing prices of health care in the country. It’s the immediate contingent plan that can be implemented in times of emergencies. Besides, there are different health insurance plan schemes to select. It is quite easy to pick one that sounds less expensive and practical:


This stands for Preferred Provider Organization. It’s composed of health care professionals & facilities that have signed a contract with the insurance company. They guarantee they provide the necessary services to their clients based on the fee schedule. The benefit of a PPO is you already have a best idea of doctors who are able to render medical services at a much lesser cost. Though you still have to shoulder a portion of the total amount, you’re still going to enjoy savings for every treatment. More health care services are also added annually.


HMO or Health Maintenance Organization is a very popular health insurance plan. It’s the one usually given by companies to their employees as one of the fringe benefits. The insured individual can go to a clinic or a health care facility that is approved or under the HMO plan. They can approach only those health care professionals who can accept your chosen HMO. One of the greatest benefits of the HMO is its very low premiums. The insurance premium can be subdivided among the number of enrollees. Moreover, many insurance companies offering HMO are offering lifestyle programs to their clients to make sure that they don’t get sick or meet emergencies often.


It means point of service plan. It shares certain attributes with HMO & PPO. It’s like the former since primarily you can only ask for medical help from their list of doctors & facilities. However, should you require specialized assistance; the doctor can refer you to those who don’t belong to the network–just like in PPO. Fortunately with POS is you’ve more control on the professionals you want to deal. Furthermore, you can make sure you can give yourself the right type of treatment it deserves. The only problem is you’ve to pay extra every time you work with an out-of-network professional.

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Article Citation
MLA Style Citation:
Spielberg, Marc "Best Health Insurance Plan." Best Health Insurance Plan. 21 Jun. 2010. 3 Feb 2016 <>.

APA Style Citation:
Spielberg, M (2010, June 21). Best Health Insurance Plan. Retrieved February 3, 2016, from

Chicago Style Citation:
Spielberg, Marc "Best Health Insurance Plan"

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