Affordable Florida Group Health Insurance Quotes the Easy Way
So how can you keep your group health care costs under control? Here's how: Affordable Health Insurance The most affordable health insurance coverage plans are (HMOs) Health Maintenance Organizations, (PPOs) Preferred Provider Organizations, and (PPOs) Point of Service Plans.
What is a HMO? A typical HMO plan provides you and your family with health care through a network of doctors and hospitals.
They are usually the least expensive health insurance plan.
If a person needs routine medical care, they would need to go to a HMO clinic for care, and pay a small co-payment fee for each visit.
What is a PPO? A typical PPO plan is a group system of health care put together by an insurance company.
Doctors, hospitals, and clinics make contracts with the PPO system to provide health care to its members.
As a member of a PPO you will be required to pay a small copay for each office visit.
There is also a yearly deductible before the insurance company will cover medical fees.
PPOs commonly pay 80% of medical fees within the network.
What is a POS? A point of service plan is similar to a HMO and a PPO.
With a POS health insurance plan you choose a primary care doctor from a list of providers, just like with a HMO.
The doctor you choose will be responsible for all of your medical care.
If you need a specialist he will refer you to another doctor within the network.
POS plans typically have a large base of medical providers in their network.
Affordable Florida Group Health Insurance Quotes One of the best ways to get affordable health insurance quotes is to go to a free insurance quote website.
There you can get competitive quotes from up to 5 group health insurance providers so you can compare prices.