subject: Health Insurance Is Offered In Many Ways [print this page] Insurance providers and companies all have different rules and methods of conducting the business of health. That is one reason why it is important to check the plan out thoroughly before signing up. Some plans allow you to visit whatever doctor that you want whenever it suits you, while others require permission from a primary care doctor. Certain medications will covered in some plans that others won't pay for. It is crucial to be sure that you will be able to get the care that you need.
A Health Maintenance Organization or HMO is insurance with general stipulations. Basically, this insurance plan requires you to visit a primary doctor first, and then they send you to a specialist if you need to go to one. Your primary doctor then gives you the go-ahead to see a specialized provider. It is the primary doctor that has to give permission. The HMO will not cover the visit if it is not approved first.
A Preferred Provider plan, also known as a PPO, is more versatile. You get to choose who you want to go to from a list of providers, and then you just pay a small percentage of the total bill. It is important to remember here that if the doctor you see is not on the list, the insurance won't cover the bill. A small amount of research can provide you with the best doctor for the least amount of money.
Both PPO plans and HMO plans have different levels of coverage. Some of them cost more every month. If you want to pay more monthly and then be assured of more of hospital care and other things covered then the high option plan will work for you. Most people end up taking the standard plan because it costs less monthly. The plan that you will want to get will depend on the needs that you anticipate later on.
Insurance companies offer specific prescription coverage. You will want to know what they will and will not pay for a prescription, if you ever need to have a regular medicine filled, and if they don't cover yours you will want a different plan. We all know prescriptions can be costly, and so the right insurance is extremely important when considering this. Look for a health insurance plan that covers your medical needs, including your prescriptions, as you shop for the best plan.
by: Ethan Kalvin
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