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 Health Insurance 

What kinds of health insurance are there?
There are essentially three basic forms of health insurance...HMO, PPO and POS.  Many carriers offer all 3 plans and your decision is typically determined by premium cost vs. benefits received.

Most Americans have some kind of managed-care plan. These plans provide comprehensive health services to their members and offer financial incentives to patients who use the medical providers in the plan:

  • Health Maintenance Organizations (HMO) - a great option if your medical providers are in the HMO network
  • Preferred Provider Organizations (PPO) - The most poplular with the broadest provider availablity
  • Point-of-Service (POS) - a PPO/HMO hybrid

Here are some questions you should ask yourself when choosing a health insurance plan:

  • Can I afford the monthly premium?
  • Should I try to insure most of my medical expenses or just the large ones (i.e. catastrophic)?
  • What deductibles will I have to pay before insurance starts to pay?
  • After I’ve met my deductible, what percentage of my medical expenses do have to pay?
  • Are office visits, routine phyical exams and prescription drugs covered?
  • Are the doctors, hospitals and other medical providers that I use in the insurance company’s network?
  • If I have a pre-existing medical condition, will the plan cover it?
We are here to assist you in finding a plan that protects you and your family while staying within your budget.  Please contact us today to help evaluate your health insurance options.