When it comes to health insurance, it is good to have choices. PPO or “Preferred Provider Organization” is one of the most populartypes of health insurance planson the market. Much like an HMO (Health Maintenance Organization), PPO health insurance offers members a wide network of healthcare...
Group health insurance is sometimes known as employer-based coverage. In layman’s terms, it is a type of insurance plan offered by anemployerof the member organization. The insurance package received by the company staff is the same as an individual would receive if he plans to buy it indiv...
What Is POS Health Insurance? When I first told Sam I was looking into a new option called a POS plan, the first thing he blurted out was, “What's that, a Piece of Sh– plan?!” Haha. While a lot of us have had experiences where we've felt like our health insurance was a ...
you typically need a primary care physician (PCP) to manage your healthcare and give referrals when necessary. While in-network care is more affordable, you have the option to see out-of-network providers,
Your EPO health plan generally won’t require you to have aprimary care physician (PCP), although getting a PCP is still a good idea. But the "rules" for primary care (and referrals, as discussed below) under EPOs, HMOs, PPOs, and POS plans have evolved a bit over time, and tend ...
Direct Specialist Access:Unlike HMOs, EPO insurance does not require primary care physicians. This gives you more flexibility in your healthcare. For example, if you need to see a dermatologist or other specialist, you can make an appointment directly without going through your PCP. ...
Understanding how a high-deductible health insurance plan works can help you find the coverage that may be right for you. What is a high-deductible health plan? An HDHP is any health plan that typically has a lowermonthly premiumand a higherdeductiblethan traditional plans. Here are some impo...
You don't need a PCP to coordinate your care. You don't need a referral to see a specialist. You can get care from in-network or out-of-network providers. Provider Network A PPO plan has a certain group of health care providers you can use when you need care. This is called your...
Regular check-ups help doctors identify health problems early, before they become major and costly. No-cost preventive care is a big incentive for plan members to try and maintain good health. Primary Care Providers (PCP):Your health plan may require you to choose a PCP if you don’t alrea...
A primary care doctor is usually your first stop whenever you need healthcare. PCPs provide preventive care as well as diagnosis and treatment of new health problems and ongoing issues. If it’s required by your insurance, yourPCP can also refer you to specialistswhen you need them and help...