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Health Insurance

How To Understand And Buy Health Insurance When you are looking at different options for health insurance it can be a daunting task. It is easy to get lost in all the legal wording and in the different choices for carriers and plans. The best way to decide which health insurance is best for you is to start at the beginning. The first thing is to understand what insurance is and why you need it. Insurance is for the routine and emergency illness or accidents that we as people come across. The insurance company is a group that for a monthly fee will help pay medical bills when you are sick or hurt. The next thing is to understand how you are going to get your insurance. Is it through an employer, are you purchasing a policy on your own, or are you part of a government program? Once you have done that you can narrow your choices down. Once you have the company chosen you have to look at the different plans that are offered. Each plan will come with its own deductible (which is a set amount you have to pay before the insurance pays anything) and its own co-pays. The co-pay is what you pay for each doctor visit or medical bill. After your visit the doctor's office will file a claim and once you have met your deductible the insurance will pay the rest or in some cases a certain percentage of what is left. Each health insurance plan will have a set of doctors that they consider "in network." These are the preferred doctors that work with that insurance company and it is usually a lower copay to go to an in network doctor than one that is out of network.
When looking at insurance plans you have to decide if you want a PPO (preferred provider organization), an HMO (Health Maintenance Organization), or a HSA (Health Savings Account). PPO plans are usually higher than an HMO. They don't require a referral to see a specialist and you can see an out of network doctor for a higher fee. An HMO plan usually has the lower co- pays and monthly fees but you need a referral to see anyone other than your primary care doctor. Also you are not able to see doctors that are not in the plans network unless it is a life or death emergency. The HSA plans are in a nut shell a savings account for when you have a medical emergency. You have to enroll in a certain plan and while they usually charge less per month they have a higher deducible that you have to meet. However if you don't use the money in one year it does roll into the next and will continue to grow interest which will help increase the amount saved. There are also more tax limitations with this plan. Once you have decided on which insurance you want just fill out the paperwork and enroll in your chosen insurance. It can be just that easy. For more information on health insurance or to get a quote, come visit us at 2456 Brannon Avenue, or call us at 514-877-2672.
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Health Insurance

Health Insurance

How To Understand And Buy Health Insurance When you are looking at different options for health insurance it can be a daunting task. It is easy to get lost in all the legal wording and in the different choices for carriers and plans. The best way to decide which health insurance is best for you is to start at the beginning. The first thing is to understand what insurance is and why you need it. Insurance is for the routine and emergency illness or accidents that we as people come across. The insurance company is a group that for a monthly fee will help pay medical bills when you are sick or hurt. The next thing is to understand how you are going to get your insurance. Is it through an employer, are you purchasing a policy on your own, or are you part of a government program? Once you have done that you can narrow your choices down. Once you have the company chosen you have to look at the different plans that are offered. Each plan will come with its own deductible (which is a set amount you have to pay before the insurance pays anything) and its own co-pays. The co-pay is what you pay for each doctor visit or medical bill. After your visit the doctor's office will file a claim and once you have met your deductible the insurance will pay the rest or in some cases a certain percentage of what is left. Each health insurance plan will have a set of doctors that they consider "in network." These are the preferred doctors that work with that insurance company and it is usually a lower copay to go to an in network doctor than one that is out of network.
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When looking at insurance plans you have to decide if you want a PPO (preferred provider organization), an HMO (Health Maintenance Organization), or a HSA (Health Savings Account). PPO plans are usually higher than an HMO. They don't require a referral to see a specialist and you can see an out of network doctor for a higher fee. An HMO plan usually has the lower co-pays and monthly fees but you need a referral to see anyone other than your primary care doctor. Also you are not able to see doctors that are not in the plans network unless it is a life or death emergency. The HSA plans are in a nut shell a savings account for when you have a medical emergency. You have to enroll in a certain plan and while they usually charge less per month they have a higher deducible that you have to meet. However if you don't use the money in one year it does roll into the next and will continue to grow interest which will help increase the amount saved. There are also more tax limitations with this plan. Once you have decided on which insurance you want just fill out the paperwork and enroll in your chosen insurance. It can be just that easy. For more information on health insurance or to get a quote, come visit us at 2456 Brannon Avenue, or call us at 514-877- 2672.