About Me
When I got a new job, I was amazed with how many insurance options I came across. Unfortunately, there were so many choices that I wasn't sure where to get started. However, my human resources manager was nice enough to sit down with me and help me to choose a policy that would fit my family's needs. She talked me through all of the different plans, until I felt comfortable with the coverage. This blog is all about helping other people to choose better medical insurance, so that you aren't left stressing about all of those stacks of medical bills.
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2022
Understanding The 4 Types Of Healthcare Insurance Plans
If you've paid any attention to healthcare plans available in the marketplace, you've probably seen terms like "HMO" and "PPO." Even if you've had insurance for years, you might not know exactly how all these types of plans work.
Insurance can be confusing and difficult to navigate. Here's what you need to know about the four main types of health insurance plans.
Health Maintenance Organization (HMO)
An HMO usually requires you to see doctors and other providers who are part of the HMO network.
What Are Medigap Pricing Rates?
If you want to add a Medicare supplement to your plan to cover more of your costs, then you might be looking at different Medigap options. While all these supplementary plans offer the same kinds of benefits, you might have some choice of pricing rate when you want to take out a policy depending on your state's regulations.
What are your options here?
Community-Rated Pricing
Some insurers offer community-rated Medigap plans.