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There are a few factors to consider when choosing a health insurance plan, such as your budget, health needs, and desired level of coverage. You will be assisted by a licensed agent whom will take into account the network of doctors and hospitals that the plan covers.
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There are many different types of health insurance plans available, including:
HMOs: Health maintenance organizations (HMOs) provide healthcare services through a network of doctors and hospitals. You typically have a lower monthly premium but may have less choice of providers.
PPOs: Preferred provider organizations (PPOs) allow you to see any doctor or hospital you choose, but you will pay more for out-of-network services.
EPOs: Exclusive provider organizations (EPOs) are similar to HMOs, but they offer a larger network of providers.
POSs: Point-of-service (POS) plans combine features of HMOs and PPOs. You have more flexibility than an HMO but pay more for out-of-network services than a PPO.
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