Health Insurance Plan Types

Chris Station answers:

The are also PPOs (preferred provider organizations) and POS (point of sale). The HMO is the most restrictive as far as networks, then come the POS, PPO, and Indemnity is the most open as well as the most expensive.

Here are the basics, for more detail and to find the best plan for you visit a local independent agent.

With an HMO you must use a doctor in the network and must get a referral from the primary care doctor to see a specialists. The PPO also has a network but you don’t need a referral and can go outside of the network if you desire, however, your costs will be higher. The POS is a blend of the HMO and PPO. There is a network and you must get a referral if you see a specialists but you can go outside of the network. The indemnity has the most freedom because there is no network and you don’t need any referrals.

Chris Station answers:

If you need insurance for all health matters, look for one that covers birth control. They will probably only cover pill form, however. If you are looking to purchase health insurance to save money on birth control, don’t bother. The premiums for you and your husband are going to be more than $60 a month–a lot more.

No-the Federal Privacy Act ensures that only governmental agencies (and not all of those) are required to have your SS#.

Chris Station answers:

I would like to suggest you get as much information as you could before taking action,here
www.HealthInsuranceIdeas.info is a good place for that.