Healthcare Availability in the United States Essay

Healthcare Availability in the United States - Essay Example In the United States, there are three major types of healthcare insurances available to people which include Health Maintenance Organizations (HMO), Point-Of-Service Plans (POS), and Preferred Provider Organizations (PPO). HMO is a prepaid healthcare insurance plan in which a person just needs to pay a monthly premium to get 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 can go to doctors who are actually not in the network of doctors of the insurance plan. Patients can 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 needs 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