• Aetna
• Assurant
• Blue Cross and Blue Shield

Click for more options

• GoldenRule
• HumanaOne

• Supplemental Medigap Insurance
• Medicare Advantage Insurance
• Blue Cross and Blue Shield

Click for more options

• Humana
• SecureHorizons by UnitedHealthcare
• Universal American
• WellCare

Mississippi Health Insurance Shopper's Guide

Health Insurance: What You May Expect

Purchasing health insurance is a very important decision. Many tend to base their entire insurance purchasing decision on the premium amount. As well as obtaining a good value, it is also vitally important that you deal with a company that is financially stable.

Types of Insurance

There are several different kinds of health insurance. Traditional insurance often is called a "fee for service" or "indemnity" plan. If you have traditional insurance, the insurer pays the bills after you receive the service. Managed care plans use your monthly payments to cover most of your medical expenses. Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs) are the most common managed care organizations.

Managed care plans provide health care in a more structured way than traditional insurance. Managed care plans encourage and in some cases require consumers to use doctors and hospitals that are part of a network. In both traditional insurance and managed care plans, consumers may share the cost of a service. This cost sharing is often called a co-payment, co-insurance or deductible.

Many different terms are used in discussing health insurance. "Covered persons" or "enrollees" are individuals who are enrolled in a health insurance plan. "Providers" are doctors, hospitals, pharmacies, labs, urgent care facilities and other health care facilities and professionals.