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Health insurance is a disaster, but at Health Care Solutions, we will help you through it!
There are so many unexpected costs within life, but health insurance is one of the best ways to plan ahead and make sure that you’re prepared for costs as they come. However, we understand that finding a health insurance plan that meets your needs can be a tricky process. That’s why we’re here to help!
There are so many different ways to get health insurance, so let’s get into it.
Many people get their health insurance through their employers. Employers will typically offer a variety of health plans and you can choose the one that works best for you and your family. However, if you do not have health insurance through your employer, you can always enroll in a marketplace health plan. These plans include:
EPO plans are managed care plans where you will only receive coverage by getting services from a facility or doctor that is listed within your plan’s specific network, unless it is during an emergency.
POS plans will let you pay less in out-of-pocket costs by using their in-network doctors, hospitals, and other providers. These plans also require referrals from your primary care doctor for you to see a specialist.
An HMO plan is fairly similar to an EPO plan. HMO plans will typically have you use their in-network providers in order for you to receive coverage for the care you receive, unless it’s an emergency. They also may require you to live within its service area.
PPO plans will have you pay less out-of-pocket if you use their preferred provider in their network, but you do have the freedom to go outside of this network to receive your care. You also will not be required to have a referral to see a specialist.
Other health plans you can consider include Affordable Care Act (ACA) plans. These plans were created to reduce the costs of healthcare as well as include coverage for ten essential benefits:
At Health Care Solutions, we’re here to help you get through the many health insurance options available to you! All you have to do is give us a call today and we’ll set up an appointment with you as soon as possible to discuss all your options!