The HMO system has snowballed, but there’s a light at the end of the tunnel thanks to Alabama's health insurance policies. The Alabama plan was created for people who are 20, under 65 who can't find regular health insurance in Alabama. Maybe their otherwise great employers don't offer group health insurance plans, or maybe they’re hesitant to splurge on an individual health insurance plan on their own. These are the same Alabamans who are restricted from to qualify for Medicaid; wouldn’t you know, they earn too little to afford either non-insured health care expenses or individual health insurance plans.

Alabama health insurance issuers offer mainly only a few different kinds of insurance packages - indemnity plans and managed care plans. With respect to indemnity plans, the insurer reimburses the plan purchaser for medical expenses no matter who provides the service. The indemnity category includes a few more popular plans, which include charge reimbursement of actual charges, reimbursement of some charges, and indemnity. With the first plan, the insurance provider will reimburse for the total cost of the service, the second plan covers a percentage, while the indemnity covers only a daily amount for a specified number of days.

In terms of managed care, 3 kinds exist – HMOs (Health Maintenance Organizations), PPOs (Preferred Provider Organizations), and POSs (Point of Service plans). According to the HMO plan, you only pay a flat rate. Here, most PPO’s benefit regardless of their networks. PPOs are usually sponsored by insurance companies or employers who cope by reimbursing you. In a POS plan the insured pays a small co-payment as long as the service provider is a part of the network.

The rates for Alabama health insurers like Aflac West, Alfa Health Insurance, Al Rose Health Insurance, and Alabama Public Education Employess’ Plan, vary from one insurance company to another. We recommend that you compare multiple health insurance companies before selecting any particular health insurance plan. Most of the health care providers also offer online health care comparisons. This can help you to stick with a health provider that that matches your budget and ideals.