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A Few Things To Consider When Purchasing Health Insurance
It's important to be familiar with the coverage's outlined in your policy.
When comparing policies make sure that you are comparing coverage's,
not all policies are created equal!
After you find the policy that best fits your needs, it should then be
reviewed annually as your needs and the market change.
Make sure the coverage's meet your needs
Inquire if your hospital and/or physician is in the network.
Disclose any pre-existing conditions that may affect your coverage.
Some Common Terms Used in Health Insurance Policies
Health Maintenance Organizations (HMO's)- coverage requires that you use only the providers in their network. You may be able to go outside of this network for medical emergencies and other exceptions. They may require a referral to go outside of the network of providers.
HMO's with a point of service (POS) option- will allow members to go out of the HMO network without a referral. POS generally costs more than HMO's and some treatments may not be covered out of the network.
Preferred Provider Organizations (PPO)- can go to any provider you choose to go to, but you will pay more if you go out of their network of doctors. You wil also need to select a primary care physician.
* Please note that these are general descriptions, your policy
may or may not reflect these types of coverages.
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