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There are different types of health insurance and today I will writing on 2 categories of health insurance interns of coverage. 

1 The Fee-For-Service Insurance Coverage. 
The health care service providers(hospitals, clinics,  pharmacy, physicians, etc) are paid for sevices they render to a policyholder.  You're hot bound to an insurance company to stick to any health care provider.

**Limiting factors for Fee-For-Service.**
a) Deductible: this is the mandatory amount in percentage imposed on the policyholder by the insurer to bear in the event of the medical bill or medical expenses. Deductibles deal with a specific period of time. 

b) Coinsurance: it is a bit similar to deductibles.  Here,  the policy is implemented a specifically for the policyholder to bear a part of the medical cost. 

c) Limited coverage: it is not all sickness that is insurable, everything is  not provided for under this policy e.g pregnancy, childbirth. 

**Advantages for Fee-For-Service.**
a) You can choose any doctor or hospital of your choice. 

b) You can continue treatment with the same hospital even if there is a change in occupation or give or change of insurance companies. 

c) There is no fear of insurance companies administering health care service providers to recommend substandard treatment. 

2 Managed Plan. 
They provide health insurance coverage for its members and o use health service providers that have a contract with the plan. The access to any medical health service providers will be made known to the policyholder by a body known as the HMO(health maintenance organization). They bring the contractual agreement between the insurer and the person who is to access a health service provide.

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