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Paying for your health is perhaps one of the most expensive—but important—purchases you will make in your lifetime. Doctor’s visits, testing, treatments, and medication don’t come cheap, but they can keep you healthy and around to do the things you enjoy. Fortunately, health insurance can help to cover some of the costs and give you the peace of mind that comes with knowing you are taking care of yourself.
What is Available
A majority of Americans purchase health insurance through their employers. However, they often don’t have a choice of which plans to go with, and may find that they can obtain more affordable healthcare elsewhere. Individuals who qualify may also receive government-issued insurance, like Medicaid and Medicare. If you are uninsured and want to purchase a policy for yourself, you may choose a type of major medical insurance plan.
Types of Major Medical Insurance Plans
Hundreds of different health insurance companies offer policies that can cover everything from eye doctor appointments to prenatal vitamins. The key is selecting the plan that works best for your budget, as well as the needs of you and your family. A few different types of plans are commonly selected, including:
- Health Maintenance Organization (HMO): This type of plan usually limits the amount of coverage to care from doctors who work for or contract with the HMO. Typically, the plan won’t cover any care given by providers who are outside of the plan’s network, except in an emergency. HMOs often require its members to live or work inside of certain areas to receive coverage, and usually provide integrated care and focus on prevention and wellness.
- Exclusive Provider Organization (EPO): An EPO is a managed care plan in which services are covered only if the members use doctors, specialists, or hospitals that are in the plan’s network, except in an emergency.
- Preferred Provider Organization (PPO): Members of this type of health plan pay less if they use providers in the plan’s network. Members can use doctors, hospitals, and providers outside of the network without a referral for an additional cost.
- Point of Service (POS): POS insurance plan members pay less if they use hospitals, doctors, and other healthcare providers that belong to the plan’s network. These types of plans require members to obtain referrals from their primary care physicians in order to see specialists.
Finding the Plan That is Right for You
Health insurance allows individuals to receive quality healthcare at an affordable rate. Choosing the appropriate plan that is right for you and your family, however, can take up lots of time and money, unless you allow a professional like InsuranceGenius.com to do the work for you. By simply filling out our form, we put you in touch with several of the leading health insurance companies and provide quotes for their services. Get started today and obtain the coverage you deserve.