3. Private health insurance - Comparison of plans and providers In the United States, private health insurance plans can be written as group or individual plans, or as indemnity or managed care plans. Comparing Private Insurance Plans Alison purchases health insurance coverage for herself. This is an example of insurance plan. Indemnity, or fee-for-service, plans and managed care plans cover medical e re sick or injured, but in different ways. The following questions examine the general differences between the two plans. Taking a closer look at how these plans provide coverage will help you begin to customize a health care plan that best suits your requirements. Select the plan that most closely matches each given description. Now that you've taken a closer look at the differences between these types of plans, consider the following statements. Each indicates common preferences and situations. Select the type of plan to which each statement most dosely aligns. There are several types of managed care plans, including group health maintenance organizations (group HMOs), individual practice associations HMO (IPA HMOs) preferred provider organizations (PPOs), exclusive provider organizations (EPOs), and point-of-service (POS) plans. Deciding which particular type of practice would best meet your needs requires knowing the major characteristics of each. Identify the particular form of private health care organization or plan described by the following three clues. Clue #1: Under this health care plan, doctors provide medical services in their own offices or in an affiliated local community hospital. Clue #2: I will pay a $5 to $30 copayment each time I want to receive medical services or a prescription under my plan. Clue #3: Many of these plans no longer require me to select a primary care doctor. If I want my plan to exhibit these characteristics, then I should purchase a PPO a group HMO an EPO an IPA HMO