Choosing your health insurance plan is vital to your health care. The plan you choose needs to provide coverage that will protect you and be there to help pay medical expenses when you need it. Not all health insurance is the same, picking the right plan will help to make sure you can count on it to be there for you. At THINK Insurance & Financial Services in Pomona, CA, we are one of the largest full-service independently owned insurance agencies in the state. It allows us to provide our clients with the best service and rates.
Different types of plans have different provider networks and in order to make an educated decision, you need to understand what each type of plan has to offer and how it affects your cost.
HMO– With a Health Maintenance Organization you must see a healthcare provider within the plan network except in rare instances. You have a primary care physician who is in charge of your overall healthcare, and you may need them to make referrals to specialists within the network.
EPO– If you have an Exclusive Provider Organization plan you must get your health care within the network, but you are not required to have a primary care physician nor do you need to get a referral to see a specialist within the network.
PPO-With a Preferred Provider Organization you have more options. You can see someone in the network or outside the network, the choice is yours. You may pay more for services outside the network but having flexibility may be worth it.
POS– If you can’t make up your mind, a Point of Service is a combination of PPO and HMO. You will need a referral to see a specialist, but you can get service outside the network.
Contact THINK Insurance & Financial Services in Pomona, CA with all your health care insurance needs.