What Are Some Health Insurance Options?

Among common health insurance options are fee-for-service, health maintenance organization, consumer-driven health plans and high deductible health plan, according to U.S. Office of Personnel Management. These are designed to help consumers get and pay for health care differently.

FFS comes in two ways: preferred provider organization and nonpreferred provider organization, states OPM. Providers under the PPO plan reduce their charges to the rates of the plan, enabling members to pay less from their pockets. It does not guarantee full benefits, as services from independent practitioners may not be covered. Non-PPO either pays for the service directly to a provider or reimburses a member.

HMO offers plan that provide health care through a network of providers restricted within a specific area, explains OPM. The eligibility of a member is based on where they live and/or where they work. Generally, there are no deductibles or coinsurance for in-hospital care, but there are charges for visits to primary physicians and specialists. HMO plans that offer point-of-service products allow members to visit providers that are not part of the network but charges higher deductibles.

CDHP offers many different approaches that give members more control over what they pay for health care, states OPM. CDHP requires an individual to pay $1,250 and a family $2,500. The annual amount an enrollee pays from his pocket cannot go beyond $6,350 for an individual and $12,700 for a family.