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Introduction A self-funded health insurance plan, also known as self-insured plan, is a type of employer-sponsored health benefit plan where the employer assumes the financial risk for providing health care benefits to its employees. Unlike fully-insured plans where the employer contracts with an insurance carrier to cover the risk, self-funded plans allow employers to directly … Read more

Introduction Indemnity insurance plans are a traditional type of health insurance coverage that help pay for medical expenses. With an indemnity plan, you can visit any doctor or hospital you want without needing a referral. These plans also fully reimburse you for covered services, up to the limits of your policy. Indemnity plans give you … Read more

Introduction Health insurance plays a vital role in protecting individuals and families against the high costs of medical care. With healthcare costs continuing to rise year after year, having health coverage provides financial security and peace of mind. One of the most common types of health plans is an HMO, or health maintenance organization. HMOs … Read more