Health insurance is one of the most important insurance in people's life. When you are looking for a new job, the health insurance benefit is probability one of the major factor affecting your decision.

HMO ( Health Maintenance Organization ), PPO ( Preferred Provider Option ) and Indemnity ( Traditional Health Plan ) are the health insurance programs that employers can offer to their employees to choose from.

For HMO ( Health Maintenance Organization ), a primary care physician need to be selected to handles your care issues and refers you to the specialist doctors for further treatment. The primary care physician is the coordinator for your health issues. You can not select doctors who is outside your HMO network.

For PPO (Preferred Provider Organization ), you can choose a doctor outside the network. However, you have to pay a higher co-payment rate if you do not select doctors within the network.

Traditional health program is an indemnity medical plan that allows members to select any medical providers that are needed for medical services. Deductibles and so-payments may apply. It is also called fee for service. Members pay a fee when they go to doctor each time.

Many countries also have public funded health insurance programs. In the United States, there are Medicare program and Medicaid program. The Medicare program is the public health insurance program for the aged and disabled people. It includes hospital insurance and supplementary medical insurance. The programs are mainly designed for people that are 65 years old or older and for people that are disabled for 24 months or longer. The Medicaid program is managed by Centers for Medicare and Medicaid Services. It provides health coverage for low-income people. The eligibility and scope of the Medicaid program varies among states.

Our web site is the place that provides help and advice on all your health insurance related issues. We will try our best to help you get a good health insurance policy that can protect you and your family everyday.