Healthcare Availability in the United States Essay

Healthcare Availability in the United States - Essay frameworkIn the United States, there are three major types of wellnesscare insurances available to people which include Health Maintenance Organizations (health maintenance organization), Point-Of-Service Plans (POS), and Preferred Provider Organizations (PPO).HMO is a prepaid healthcare insurance plan in which a person just makes to pay a monthly premium to pack a number of healthcare benefits. Some of the main benefits include emergency healthcare, laboratory tests, therapies, and free doctor visits.POS is an indemnity-type healthcare option for people in which they cease go to doctors who are actually not in the network of doctors of the insurance plan. Patients empennage get health coverage even when they are referring to the doctors outside the plan. However, they need to pay coinsurance in such cases.Under this type of health coverage, a person does not need to pay monthly premium to get health benefits. Rather, he/she n eeds to show PPO card to the authorities to get the benefits in return of a small payment. In a PPO plan, a person can go to the doctors outside of the network but needs to pay a large portion of the total payment