Health Insurance
Major health insurance provides beneficiaries with benefits that help pay for the cost of healthcare services. There are many health insurance providers, and each offers a variety of different coverage options. Some health insurance plans are offered through public programs, like Medicare and Medicaid. Though, a majority of health insurance plans are offered through private insurance companies.
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If you are looking for a health insurance plan, here are some of your options:
Health Maintenance Organization (HMO)
Health maintenance organization health insurance plans provide their beneficiaries with coverage that allows them to see health care providers within a local network of participating doctors, hospitals, and other health care professionals. With one of these plans, you are required to choose a primary care provider from within the plan’s network. Your care will be managed by your primary care provider, and they will serve as the foundation of your medical care.
If you hope to see a specialist, you will need a referral from your primary care physician first. This is necessary to avoid unnecessary trips to more expensive doctors. The rule is designed to lower the cost of coverage, as savings are passed on to consumers like you. The upside of an HMO plan is that you typically have lower premiums, copayments, and coinsurance than with other types of health insurance. Although, you will be required to pay the full cost of treatment out-of-pocket if you decide to seek care outside of your plan’s network.
Exclusive Provider Organizations (EPOs)
Exclusive provider organizations function similarly to HMO plans. They offer you access to a network of participating health care providers, though they often won’t require you to have a primary care provider. As with HMO plans, you must seek care within your network, except in the case of emergencies. If you choose to seek care outside of the plan’s network, you will be required to pay the full cost of care on your own.
Specialists are easy to see while in an EPO plan as well. With EPOs, you won’t need a referral to seek specialist care.
Point of Service Plan (POS)
The point of service plan combines the features of other plans to offer a unique range of benefits. With this type of plan, you must have a primary care provider who is selected from within your plan’s network. Your primary care provider acts as the point of control for your health care needs, and you must ask them for a referral before you can see specialists.
Point of service plans are flexible, as you can see specialists and doctors in-network or out-of-network. The choice is yours. Though, in-network care will always be less expensive.
Preferred Provider Organization (PPO)
Preferred provider organization plans are normally regarded to be the most flexible health insurance plans. They allow you to see out-of-network providers, though at a higher cost than in-network providers. They also don’t require you to have a primary care provider, which can make receiving care easier. Like EPO plans, you won’t need a referral to see specialists.
Find Health Insurance Today
Whether you are looking to get started with a private insurance plan, or to join a public program like Medicare, our team at Hamil Legacy can assist you in getting started. We help you find the best coverage at a price that fits your budget. We are licensed insurance professionals who work with respected companies you can trust. Easily find your affordable health plan with these carefully-selected carriers:
- BlueCross BlueShield
- Philadelphia Insurance Companies
- ManhattanLife
- Ambetter
- UnitedHealthOne
- And Many More!
To begin collecting quotes on qualifying coverage, give us a call at 972-332-8054. Our ultimate goal is to help you find the coverage you deserve!