If you are looking to purchase group health insurance, it may seem like an incredibly complicated process. If you are confused by the amount of information online, it’s a good idea to look for a reputable independent insurance agent who can steer you through the group health insurance minefield.
HMO vs. PPO
These are the most common types of managed care plans, and there are a few differences between them:
- Health Maintenance Organization (HMO): In this care plan, you are required to choose a primary care physician (PCP), and if you need care from a specialist physician or treatment like an x-ray or lab test, your PCP needs to give you the referral. If you choose your own specialist, you will probably have to pay for the care yourself.
- Preferred Provider Organization (PPO): In this plan, you don’t need to choose a PCP, nor do you need a referral to see a specialist. However, you still need to have your services provided by physicians and clinics within the preferred network or else you will have to foot the bill yourself.
The summary above is just the tip of the iceberg. Another crucial health insurance consideration revolves around prescription drugs. If you have an ongoing or recurring medical condition, you should look for a plan with prescription drug coverage or you may end up paying a substantial amount for medication.
Once you have an idea of the group health insurance plan you need, get a fast quote from San Tan Insurance’s Health Insurance page. You can never take your health for granted, so make sure you’re covered.