Each plan has unique features that should be considered before purchasing. HMOs, PPOs and POS plans fall under the umbrella of "managed care" plans, which emphasize cost-effective medical care.

FFS coverage offers flexibility in exchange for higher out-of-pocket expenses, more paperwork and higher premiums.

• Choose your own doctors and hospitals.
• Usually there is a deductible.
• Visit any specialist without permission of a primary care physician.
• Most FFS plans have a cap for medical bills.

HMOs are aimed towards reducing medical care expenses by increasing use of preventive health practices. These plans generally have the lowest premiums.

HMO Basics:

• Wide selection of physicians and hospitals.
• Low co-pay.
• Must choose a primary care physician, PCP.
• Required to see doctors within the network.

Point of Service plans are more flexible than HMOs and require you to select a primary care physician. POS coverage has a network of health care providers who treat you for a small co-payment.

POS Basics:

• Offers many preventive care and well-being services.
• Must choose a primary care physician, PCP.

Preferred Provider Organizations encourage you to use their doctors by offering a low co-payment.

PPO Basics:

• Co-payment is usually $10 for a routine office visit.
• May see a specialist in network without permission.
• Higher deductible

You can begin your search for health insurance right here on our website. Search for an instant quote and compare rates for your own health coverage plan. Let us discuss your insurance needs with you to better develop a custom profile of insurability to best serve you.

There are many questions you need to ask yourself when putting a health insurance plan together:

• Is your doctor in the network?
• How much will you pay out of pocket for a routine check-up?
• Are well-child visits included?
• Do you need prescription drug coverage?
• What about dental coverage too?

Contact us to schedule a meeting so we can further assist you.