When you are looking for a health insurance plan that is appropriate for your family or your individual needs in Ada, OK, it is important to recognize the different types of health insurance policies that are available. The type of plan that is best for your goals can vary based on the situation and your financial concerns.
HMOs and EPOs
A health maintenance organization or an exclusive provider organization is a type of plan that has specific limitations on the health care providers that you can select. Generally, you are required to use a doctor in the company’s network.
There may be some exceptions, such as when a specialist is required and there is no specialist in your covered area, but you will usually pay more to visit a doctor outside of the company network. If you need to see a doctor outside the network, it may be necessary to obtain a referral from your primary care physician.
A PPO, or preferred provider organization, is a type of health care plan that allows a greater amount of flexibility when it comes to finding the health care provider that you feel is most appropriate for your needs.
Although you can select a provider outside the network, you will generally pay more for the services of the doctor. You may or may not be required to obtain a referral, depending on the plan that you selected and the amount of coverage that you have purchased.
The type of health insurance plan that is appropriate for your needs may depend on several factors, including your personal preferences and your concerns regarding the health care provider that you are considering. Contact us to talk to an agent for more information about your options today.