Health Insurance Plans, Reviews and Quotes

Major Types of Health Insurance

Health insurance is vital to keeping your family healthy. Finding the right kind of health insurance for your family may take some shopping around. We’re here to help you choose the insurance plans that are the best fit for your family. This basic information about the types of health insurance plans available can help you make an informed decision and find the right health coverage for yourself and your loved ones.

HMOs and EPOS

Health maintenance organizations (HMOs) and Exclusive Provider Organizations (EPOs) offer care through a network of doctors that provide health services for members of their health insurance plans. The intent behind these types of organizations is to provide wellness care and health maintenance services that help their subscribers maintain their health. Generally, HMO members must choose a primary care provider who provides referrals to specialists when needed. EPO members generally don’t have the same restriction. Under both types of plan, however, members must get their care from doctors and facilities within the network or risk having to pay the entire cost of the service out of pocket.

PPOs and POS Plans

Preferred provider organizations (PPOs) and Pont of Service plans (POS plans) also provide medical and health services through a network of health care providers, but generally offer members the choice of getting care within the network or from an out-of-network provider. If you choose to go outside the network, you’ll pay more for services. In a PPO, you can visit any doctor without a referral. A POS plan, on the other hand, requires you to get a referral to visit an out of network provider.

HDHP

A high deductible health plan (HDHP) generally has lower premiums than other types of health insurance, but have higher deductibles. As of 2013, the minimum annual deductible for an individual health plan is $1,250. For a family plan, it’s $2,500. These are commonly used in conjunction with health savings accounts (HSAs). HSAs with a qualifying HDHP can lower the amount of federal taxes you have to pay.

Catastrophic Health Insurance

Catastrophic health insurance plans are essentially “safety net” plans to cover the insured person or families in case of a serious illness or accident. They generally do not cover services like prescription drugs, but some may cover annual primary care visits and preventive services. Beyond that, you’ll have to pay out of pocket until you reach the high deductible before other coverage kicks in.

In addition to these, there are also health insurance plans that pay you when you are unable to work because of an illness or injury, as well as prescription benefit plans that can help reduce the cost of prescribed medications. Learn more about the best health insurance coverage for your family from one of our insurance professionals.

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