Working Americans fortunate enough to have private health insurance are covered under an employer provided group health insurance plan. There are two popular plans employers might choose for their worker’s benefits package. A standard indemnity health insurance policy, allows employees and their insured dependents the freedom to visit any health care provider they choose. The cost of the appointment or medical service is paid out of pocket by the employee and insurance plan reimburses covered members for a portion of the paid services. The other most common health plan employers choose is a managed care plan. Managed care plans offer … Continue reading →