What the Health Insurance ? a kind that specifically guarantee health costs or the members of such insurance if they fall ill or have an accident . These insurance products are organized by social insurance companie , life insurance companies , as well as general insurance . We must know kind insurance for health. Each insurance brand may offer one or more of Reviews These four common types of plans : 1. Health maintenance organizations ( HMOs )
2. Preferred provider organizations ( PPOs )
3. Point - of-service ( POS )
4. High -deductible health plans ( HDHPs ) , the which may be linked to health savings accounts ( HSAS )
Take a minute to learn how about these plans. To learn the specifics about a brand's particular health plan, look at its summary of benefits.
1. Health Maintenance Organization (HMO)
An HMO delivers all health services through a network of healthcare providers and facilities. With an HMO, you may have:The least freedom to choose your health care providers.The least amount of paperwork compared to other plans.A primary care doctor to manage your care and refer you to specialists when you need one so the care is covered by the health plan. Most HMOs will require a referral before you can see a specialist.
2. Preferred provider organizations ( PPOs )
*A moderate amount of freedom to choose your health care providers -- more than an HMO.
*You do not have to get a referral from a primary care doctor to see a specialist.
*Higher out-of-pocket costs if you see out-of-network doctors.
*More paperwork than with other plans if you see out-of-network providers.
3. Point - of-service ( POS )
2. Preferred provider organizations ( PPOs )
3. Point - of-service ( POS )
4. High -deductible health plans ( HDHPs ) , the which may be linked to health savings accounts ( HSAS )
Take a minute to learn how about these plans. To learn the specifics about a brand's particular health plan, look at its summary of benefits.
1. Health Maintenance Organization (HMO)
An HMO delivers all health services through a network of healthcare providers and facilities. With an HMO, you may have:The least freedom to choose your health care providers.The least amount of paperwork compared to other plans.A primary care doctor to manage your care and refer you to specialists when you need one so the care is covered by the health plan. Most HMOs will require a referral before you can see a specialist.
2. Preferred provider organizations ( PPOs )
*A moderate amount of freedom to choose your health care providers -- more than an HMO.
*You do not have to get a referral from a primary care doctor to see a specialist.
*Higher out-of-pocket costs if you see out-of-network doctors.
*More paperwork than with other plans if you see out-of-network providers.
3. Point - of-service ( POS )
A POS plan blends features of an HMO with a PPO. With POS plan, you may have.*More freedom to choose your health care providers than you would in an HMO
*A moderate amount of paperwork if you see out-of-network providers
*A primary care doctor who coordinates your care and who refers you to specialists.
*A moderate amount of paperwork if you see out-of-network providers
*A primary care doctor who coordinates your care and who refers you to specialists.
4. High-Deductible Health Plan With or Without a Health Savings Account
You may be able to pay less for your insurance with a high-deductible health plan. With an HDHP, you may have:
- One of these types of health plans: HMO, PPO, or POS
- Higher out-of-pocket costs than many types of plans, but if you reach the maximum out-of-pocket amount, the plan pays 100% of your care
- A health savings account (HSA) to help pay for your care. The money you put in an HSA is not taxed and can be used tax-free on eligible medical expenses.
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