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Insurance: About Insurance

What is medical insurance?

Health insurance is a type of insurance coverage that will cover the cost of an insured individual’s medical and/or surgical expenses. Depending on the type of health insurance coverage, either the insured pays costs out-of-pocket and is then reimbursed, or the insurer makes payments directly to the provider.

In health insurance terminology, the “provider” is a clinic, hospital, doctor laboratory, health care practitioner or pharmacy. The “insured” is the owner of the health insurance policy and coverage.

What types of medical insurance are there?

Medical insurance can be broken down into two broad categories:

Traditional Care and Managed Care


Traditional Care - Fee For Service






No one type of health care plan is better than the other. The plan that is right for you really depends on your needs and preferences.