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There are different ways of getting health coverage. When an employer provides health insurance plan options for its employees and their dependents it is called as Group health. This policies are generally at a reasonable or discounted rate. As it is convenient and serve,many people take advantage of this opportunity. When the insured person pays a fixed membership fee ahead of time is known as Health Maintenance Organization (HMO) Health Maintenance Organizations are generally more affordable,but they do not provide as much coverage. Preferred Provider Organization is a health plan that lists selected health care providers. When patients visit the selected providers,they may receive inducement such as a lower copay. Copay is a flat rate that patient must pay each time they receive services from their health care provider. 








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