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What about Health Insurance
You have choices when you shop for health insurance. Like shopping for any other insurance you’ll want to make sure the coverage and premium works for you and your family.
First, what is health insurance and Why do I need it…., this is a type of insurance coverage that typically pays for medical, surgical, prescription drug and sometimes dental expenses incurred by the insured.
Health insurance can reimburse the insured for expenses incurred from illness or injury, or pay the care provider directly.
Types Of Health Plans
HDHP PLAN
High-Deductible Health Plan
HDHPs have low premiums, but you pay more when you use health care.
You want low premiums and don’t expect to need health services often. A usually feature is a health savings account (HSA). This can be pre tax for medical expenses.
HMO PLAN
Health Maintenance Organization
One of the most used reason to choice an HMO is if you want low premiums and don’t want to pay high out-of-pockets costs for care. This is a more limited network of providers, you must get referrals from your PCP to see a specialist and you must stay in-network for care. If you get care outside of your network, you will pay for the care on your own.
PPO PLAN
Preferred Provider Organization
PPOs allow you to receive both in-network and out-of-network care. You want flexibility and don’t want to get a referral to see a specialist. Plus, you want the ability to get care out-of-network even if it costs more. The only downside is usually the premium.
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