 Indemnity or Fee-for-Service coverage- -allow you go to the doctor of your choice and pay for services at the time of the visit. -The amount that your health insurance company will pay is a predetermined benefit level of covered medical expenses, based on your deductible and co-insurance amounts. -To receive payment for medical expenses, you may have to fill out forms and send them to your insurer and are responsible for keeping track of all your medical expenses.  Health maintenance organizations (HMO)- - you pay a fixed monthly fee called a premium. -the health insurance company and its physician network provide a variety of medical benefits. -The primary care physician you choose from this network is responsible for your health care as well as for making referrals to specialists and approving further medical treatment. -Usually, your choice of doctors and hospitals is limited to those within the network since they have agreements with the HMO to provide your health care. - care received outside of the health care network is not covered.  Preferred provider organizations (PPO)- - operate like an HMO in that you pay a fixed monthly premium, and the health insurance company and its health care network provide medical benefits to you. -However, under a PPO insurance plan, a primary care physician is not required. As a result, seeing a specialist does not require a referral. -If you need or want health care from outside the network, you should expect to pay a higher co-payment or co-insurance than if the provider were from within the PPO network. - each time you need medical attention, you can decide between a higher costing plan with freedom of choice or a lower costing plan that restricts your care to within a network.