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Health Insurance 101: Your Basic Guide to Healthcare and Todays health coverage options! Simply click to expand question... What is the purpose of health insurance?
Health insurance protects you from the high cost of medical care by providing coverage for specific health care services. Although you generally pay a monthly premium and either co-payments or co-insurance, the cost for insudfgnce is far less than medical care would be if paid fully out-of-pocket.
What is an HMO?
An HMO is a type of managed care health insurance plan that allows you to receive care through a network of participating doctors and hospitals. Generally, you select a primary care physician who coordinates your care and refers you to specialists when needed. Out-of-network care is generally not covered under an HMO plan, unless the member requires care that is not available in the existing network.
What is a PPO?
A PPO is a type of managed care health insurance plan that combines features of a fee-for-service plan and an HMO. In a PPO, members who seek care within the network of participating doctors and hospitals pay lower out-of-pocket costs. Members can also seek care from nonparticipating doctors and hospitals, but pay a higher portion of the cost of care.
What if my employer doesn't offer health insurance?
Employer-subsidized group coverage is generally less expensive. But, if your employer doesn't offer health insurance, or if you are unemployed, you should consider purchasing an individual health insurance policy from BENEFITS PIPELINE and get a quote today!
How do I pick a health insurance plan?
If you have a choice of plans through your employer or you are purchasing your own coverage, it's important to understand your choices and pick the plan that is right for you and your family. A BENEFITS PIPELINE representative is always here to answer any questions you might have, Call us now!
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