human
I'm a bit confused about my health insurance. Can you help me understand it?
assistant
Sure, I can help you understand your health insurance. Health insurance is a form of insurance that helps cover medical costs in the event of an accident or illness. It usually covers doctor's visits and hospital stays as well as prescription drugs and other healthcare services. Generally, health insurance plans are divided into two categories: indemnity plans and managed care plans. Indemnity plans provide coverage for any medical expenses incurred by the insured person regardless of who was at fault for causing them. Managed care plans require the insured to seek treatment from a specific network of doctors and hospitals.