Understanding Your Policy

In order to understand a health insurance policy, it is best to first understand the concept that underlies the policy. An understanding of the concept provides a framework in which to understand the specific terms.

For information on the basic types of health insurance available in the U.S. today, see: Types Of Health Insurance.

If you know the specific type of policy in which you are interested, see:

• Fee-for-service (Indemnity)
• HMO (Health Maintenance Organization)
• POS (Point of Service Plan)
• PPO (Preferred Provider Organization)

To help understand the terms in each policy, see: Health Insurance: Terms To Know