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It appears that the major differences are in the coverage, while most of them share either high or low co-payment, or varying deductibles. One of the similarities is the higher cost for visiting a physician that is out of the network. A not as common trait among the providers is the coverage of preventative care. I would think it would be less expensive in the long run to offer preventative care to consumers.

The HMO, Indemnity Plan, and Consumer-Driven Health Plan seem to be the most beneficial to the provider. They appear to be high out of pocket cost to the consumer with hoops to jump through before coverage is given. The PPO and POS seem to be the most consumer-friendly because there seems to be less confusion and red tape to get through with the exception of a few procedures. It would really depend on how often a consumer uses the coverage that would determine who what plan would be more beneficial to.

In my opinion, I think all plans are beneficial to the providers in the big scheme of things. Even if a person “gets their money’s worth” out of their coverage plan, the majority of people who pay for insurance do not. Either they never use it, or they are never covered for whatever it is they need at that particular time due to some loop hole in the plan. There is nothing more frustrating and depressing than learning a procedure was kicked back by your insurance, even if it is consumer ignorance. With that being said, that is what I believe the providers work hard to be able to do, and more so I think they count on that consumers lack of knowledge regarding their coverage they work so hard to pay for and what it actually covers.