Health insurance typically falls into two categories: Fee-for-Service, where patients pay for each service, and Managed Care, which includes HMOs, PPOs, and POS plans offering in-network benefits. Long-term care assists with daily activities due to illness or injury, often not covered by standard insurance. Disability insurance includes Short-Term (STD) and Long-Term (LTD) options, providing income replacement. Key features may include non-cancelable policies, additional coverage options, partial disability benefits, and waivers for premiums after a certain period.
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