Question

Ed is considering the health insurance options offered by his employer. He travels frequently and would like to be able to go to any physician of his choice, including those outside of his home area. He does not want a policy that mandates care be provided by employees of the insurer, since he believes that could result in a potential conflict of interest. He does not want large out of pocket or coinsurance payments and does not mind patronizing physicians who have agreed to provide discounted services to members of the plan provided that they are not employed by the plan. Out of the following health plans offered by his employer, which should Ed choose?

Major Medical Insurance.

Indemnity Health Insurance

Health Maintenance Organization (HMO)

Preferred Provider Organization (PPO)

Answer 1

Answer:- Indemnity Health Insurance

Explanation:- Indemnity Health Insurance provides the following benefits:-

• Flexibility to choose hospitals

• Wide range of protective cover

• Low premium outgo

His choices such as that he would like to be able to go to any physician of his choice, he does not want a policy that mandates care be provided by employees of the insurer and he does not want large out of pocket or coinsurance payments. All such choices are possible under Indemnity Health Insurance. So, Ed should choose Indemnity Health Insurance.