Insurance is often misunderstood. Allow me to try and explain it to you in simple terms! Yes, the healthcare system is a mess in the US and I won't argue against that, but insurance as it stands is misunderstood.
Insurance as a whole industry is pretty scammy. I will try and just tell you how it works in reality, not whether the industry is good or bad.
Sources:
HMO vs PPO: https://www.humana.com/medicare/medicare-resources/hmo-vs-ppo
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