Health Insurance

Health insurance is one of the most important types of insurance to attain as it eases the cost of medical services, pharmaceutical drugs, and hospital stays. A health insurance plan can remove a large fraction of medical costs for services or products, and there are many options to choose from.

Here are a few things to know before searching for the right health insurance plan for you.

Health Insurance Options

While considering what type of health insurance suits you, it could help to learn about what types of coverage plans are available to you. There are different standards of protection and limitations that may be worth learning about. These are a few different types of health insurance choices.

Preferred Provider Organization (PPO)
A PPO plan allows you to go to any medical provider you choose, although healthcare providers outside of your network may cost more than those within your network. A PPO plan is more flexible than most so it might be best suited for those who see a variety of healthcare providers. With a plan like this, there is no need for a primary care physician. You also do not need a referral to see a medical specialist.

Exclusive Provider Organization (EPO)
This kind of health insurance plan requires you to visit doctors and hospitals within their specific network. As a member of an EPO-type insurance plan, you are not allowed outside of your network for medical care. These plans are most commonly low-cost options compared to the other types. It is probably best matched with people that don’t visit medical professionals often or without anticipation.

Health Maintenance Organization (HMO)
An HMO plan is most often associated with the widest range of freedom with health care providers. Providers often plan pre-negotiated rates for services with insurance plans like this. With an HMO plan, you must choose a primary physician. Under an HMO plan, your primary physician will refer you to specialists as well as manage your health care. These kinds of plans are more expensive than most other options but also serve as a relative medium.

Find The Best Health Insurance Plan For You

If you are searching for health insurance, call Alite Financial Professionals to help you choose the right plan for you. Our team is skilled, experienced, and ready to help guide you while considering your insurance options.

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