Final answer:
Healthcare services may be available on demand, prepaid, in-network or out-of-network depending on your insurance coverage.
Step-by-step explanation:
In a fee-for-service health financing system, medical care providers receive reimbursement according to the cost of services they provide. An alternative method of organizing health care is through health maintenance organizations (HMOs), where medical care providers receive reimbursement according to the number of patients they handle, and it is up to the providers to allocate resources between patients who receive more or fewer health care services.
When it comes to healthcare services, whether or not you have to have them on demand, prepaid, in-network, or out-of-network depends on your insurance coverage. On-demand services are usually available regardless of insurance coverage, but prepaid services are typically provided through a health maintenance organization (HMO) where medical care providers are paid a fixed amount per person enrolled in the plan. In-network services are provided by healthcare providers who have a contract with your insurance company, while out-of-network services may not be covered by your insurance or may have higher out-of-pocket costs.