Explore health insurance options including Medicare, Medicaid, individual and family, short term and dental, as well as employer plans.
When you have HMO insurance, you get your healthcare from doctors, hospitals, and clinics that are part of the HMO’s network. This means they have agreed to provide care to members of the plan at lower rates. Each HMO plan has its own group of healthcare providers, and you usually ne...
Copays and/or co-insurance for each type of care.A copay is a flat fee, such as $15, that you pay when you get care. Coinsurance is when you pay a percentage of the charges for care, for example, 20%. These charges vary according to your plan and they are counted toward your ...
AHigh-Deductible Health Planis similar to a catastrophic plan in that it enables you to pay less for your health insurance. You have higher out-of-pocket costs when compared to other plans, but it can fall under the category of an HMO, PPO, EPO, or POS plan. You may want to use a...
Summary: How to choose health insurance Here’s a quick action plan: Go to your online health insurance marketplace (or employee benefits page) and view all of your plan options. Decide what type of plan — HMO, PPO, EPO or POS — is best for you and your family. Weigh whether you ...
Aetna offers health insurance, as well as dental, vision and other plans, to meet the needs of individuals and families, employers, health care providers and insurance agents/brokers. The path to healthy starts here.
Some insurance plans offer a middle ground between HMO and PPO coverage: Exclusive Provider Organization (EPO): Limits you to a network of providers, but it doesn’t require primary care physician referrals to a specialist. Point-of-Service Program (POS): Requires physician approval for access ...
An Exclusive Provider Organization (EPO) health insurance plan requires you to use the doctors and hospitals within its own network, much like a Health Maintenance Organization (HMO). EPO plans make up31% of all plansselected in the ACA marketplace. ...
A health maintenance organization (HMO) is a health insurance plan that provides health services through a network of doctors for a monthly or annual fee.
What Is a Group Health Insurance Plan? Group Insurance health plans provide coverage to a group of members, usually comprised of company employees or members of an organization. Group health members usually receive insurance at a reduced cost because the insurer’s risk is spread across a group...