Every citizen of every nation in the world deserves good health care. Unfortunately, some have to pay more than others to obtain it. In the United States, while Medicaid and Medicare play a small part in providing health care for the low income, disabled and elderly, others must rely on insurance companies. American health care is a highly managed medical delivery system. It consists of a majority of centralized large insurance companies who provide health care in terms of health maintenance organizations (HMO), preferred provider organizations (PPO) and exclusive provider organizations (EOP). The types of plans offered by each organization differs only in the amount of providers from which you can select. Within this tight organizational setting, you can select the amount of coverage you feel you need and/or can afford. An indemnity plan will let you receive reimbursement as you incur your expenses. If, however, you are part of a PPO, the costs you personally pay will increase if you choose medical professionals outside the PPO list. In the case of the EPO, you will not be reimbursed at all if you choose a non-EPO health care provider. There is also the option of copayments. This is common for some types of insurance. It is a medical cost sharing approach. You can be part of a copayment program where there is a different cost for each service. You can also arrange to pay a fixed amount for the medical service with the insurer responsible for the rest.