Coverage Guide

There are so many types of health insurance to choose from, it’s no wonder people often feel helpless about it. At InusranceUSA.com we provide you with thorough and up-to-date information on all types of health insurance.

Indemnity Health Insurance – With indemnity, you choose your own doctors, hospitals, and other healthcare providers. You can go see any specialist you want or have any procedure you need without the insurance company’s say-so.
Flexible Spending Account Health Insurance – Health insurance flexible savings accounts or cafeteria plans are established by your employer and are intended to help reimburse employers for specific medical costs.
Basic and Essential Health Insurance – Includes COBRA, worker’s compensation, Medicaid, Medicare, and other types of basic and essential health insurances.
Health Savings Account (HSA) Insurance – The coverage provided by Health Savings Account (HSA) insurance consists of two parts: a high-deductible individual health insurance plan and an HSA.
High Deductible Health Insurance – These health care insurance policies carry a higher deductible than other basic plans. It is ideal for people who simply want coverage from the most expensive worst-case scenarios.

Managed Care Health Insurance:
HMO Health Insurance – A Health Maintenance Organization (HMO) is one of the more affordable individual health insurance alternatives. HMOs usually have an extensive network of doctors, specialists, hospitals, and clinics, plus much more.
POS Health Insurance – Point of Service (POS) plans are essentially a mixture of the HMO and PPO. Like an HMO you pick a primary care physician but as in a PPO, if you can seek help from any medical professional in or out-of-network and you will still be covered.
PPO Health Insurance – Preferred Provider Organization (PPO) plans are an affordable and popular option for family health insurance because they are comprehensive and flexible.

Government Sponsored Health Insurance:
Medicaid Health Insurance – Medicaid does not pay you money but instead sends money directly to healthcare providers. There may also be a small co-payment for certain medical services. Medicaid is state-administered so each state has its own eligibility and services guidelines.
Medicare Health Insurance – Medicare health insurance is a government funded program for people who are 65 years and older, people under the age of 65 with certain disabilities, and anyone who has End-Stage Renal Disease.
State Children’s (SCHIP) Health Insurance – For the nation’s low-income citizens, Medicaid and State Children’s Health Insurance Program (SCHIP) is children’s health insurance available to low income parents who don’t qualify for Medicaid.
Military Health Insurance – Military Health Insurance also known as TRICARE is the healthcare program for the United State military system.
Low-Income Health Insurance – If you’re a low income individual or family and you can’t afford medical care, you may be eligible for low-income health insurance.
Indian Health Insurance – The Indian Health Service (HIS) is the principle health care provider and advocate for Native Americans.

Specialty Health Insurance Policies:
COBRA Health Insurance – COBRA or Consolidated Omnibus Budget Reconciliation Act is for anyone, who involuntarily or voluntarily loses their job or has their hours drastically reduced.
Critical Illness Health Insurance – Critical illness health insurance provides payments if you suddenly fall ill to a disease or illness that is covered under your policy’s contract.
College Student Health Insurance – College student health insurance is designed to protect students from the unexpected and at a mere fraction of the cost than if they were unprotected.
Medigap Health Insurance – Medigap health insurance is sold by private insurers to help fill any gaps found in Medicare policies.