If you feel healthcare insurance gets more complex with each passing year, you're in good company. Not only are there four basic types of health plans (indemnity, PPO, HMO and POS), but you may also have several different companies to choose from within each type of plan. Some may list your doctors with their network of providers and some may not. Some plans require a copayment while others provide 80-20 coverage.
Carolinas HealthCare System has tried to make your decision easier by explaining how the four types of health plans differ and providing links to some healthcare plan Internet sites.