Effective Health Insurance

Sunday, February 10th, 2008

Health Plan Vs. Health Insurance

Before, HMO’s used the word “health plan”, while commercial insurers used the term “health insurance”. Health plan can also mean a subscription-based health care arrangement offered thru HMO, PPO or POS plans. These plans are the same as those pre-paid dental, pre-paid legal and pre-paid vision plans. Pre-paid health plans basically pays for a constant number of services. Services rendered are basically at the judgment of a nurse who is often contracted providing the subscription health plan. This may be made either before or after the hospitalization.