Managed Care Organization (MCO) is healthcare delivery system that attempts to keep cost down by managing the care to eliminate unnecessary treatment and reduce expensive hospital care. The most familiar models are HMOs and PPOs. Indemnity Plan also called (fee-for-service) is the type of plan most Americans were covered under until tha past two decades. Under this plan patients can go to any healthcare provider or hospital they choose, medical bills are sent to the insurance carrier, and the patient or (healthcare provider) is reimbursed according to rules of the