The 2020 statistics are in: over 297 million Americans have health insurance. But with the wide range of packages available, you might be wondering which type of package to choose.
This is something that many people struggle to decide, but all you need to do is get a solid understanding of the different types of insurance before making a decision. From there, you will be able to select a plan that best suits your individual and family needs.
Luckily, we've gathered all the information you need about health insurance premiums. In no time, you can start looking for a provider that has the best health insurance coverage available.
So if you're wondering "What kind of health insurance should I get?" read on to learn more about the different types of health insurance plans available!
Sole Provider Organization
Exclusive Provider Organizations (EPO) are plans that allow you to work with people within a certain network. When you use an exclusive provider organization, you can get discounts if you use their doctors and hospitals.
Having EPO health insurance coverage can make treatment much more affordable for many, but it keeps you from exploring options. If you decide to work with someone who is not associated with your health insurance provider, you will not be covered.
This type of plan is commonly offered by employers. You can check https://www.integrativeasheville.org/employee-health/ to learn more.
health maintenance organization
Similar to an exclusive provider organization, a health maintenance organization (HMO) prevents you from working with a doctor outside of their network. However, HMOs are stricter than EPOs in that they may require you to live in a certain area to get coverage.
Although HMOs can be difficult to manage, they can help anyone who wants to focus on prevention. With an HMO, you can get regular checkups without having to pay.
point of service
A point-of-service (POS) plan lets people get treatment anywhere, but they get discounts when working with in-network doctors.
What sets a point-of-care plan apart from other health insurance plans is that it requires you to get a doctor's referral to see a specialist. For example, if you have skin problems, you need a referral to see a dermatologist and get health insurance coverage.
The best health insurance plan for those who want to avoid limitations is from a Preferred Provider Organization (PPO). With these health insurance plans, you can go anywhere without needing a doctor's referral.
The only downside to a PPO is that health insurance coverage won't be great if you're working with someone outside of their network. However, you can always pay less at another doctor.
Now you can answer "What kind of health insurance should I get"
As you can see, it doesn't take much to understand the different types of health insurance premiums. After reading this article, you can answer the question: "What kind of health insurance should I get?" »
Start thinking about your health insurance priorities, then research different health insurance plans to suit your needs.
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