Many families today have their health care costs covered by a managed care plan, also referred to as a Preferred Provider Organization (PPO) or Health Maintenance Organization (HMO). These plans have arrangements with doctors, hospitals, and other providers who have contracted to accept lower fees for their services from the insurer. Because these systems are quite large, navigating them can be a bit of a challenge. This section will help you learn what to expect and how to proceed with your insurance. Those who do not have insurance coverage will find information on alternatives for covering health care costs.