Can anyone please explain this to me - question about US health insurance?

oh my gosh, you will never figure this out, I have been a nurse here for 5 years and still can't figure it out myself. Medicare is governmental supplemental insurance for those over 65 years old. Medicaid is governement istance for those who are basically poor, altough there is a lot a fraud on that issue. An HMO is a health management organization, and they basically determine what kind of health coverage a person will get. If a person has an HMO, they have to use the HMO's doctors and there is a lot of fraud there too. A lot of times Dr's get kickbacks from the HMO's for not prescribing needed treatments. In order for a person to get to a specialist they will need approval from their primary care provider (PCP). A PPO is another type of health insurance that is a little less restrictive to the patients than HMO's are. Basically a health consumer pays these companies for insurance and then the company decides what you get and what you don't. Don't worry if you can't figure it all out right now. I'm still working on it.