Main Types of Health Insurance

When you are shopping for health insurance coverage, it can be difficult to discern the best plan for your needs. There are several different types of health insurance plans, all of which come with different coverage options. Before you sign a health insurance plan, you should make sure that it truly is the best option for your unique needs and circumstances.

At Catherine Michaels Insurance Services, our California health insurance agents are independent from any insurance company. This allows us an unbiased look at a variety of healthcare plans and providers available to you so that we can help you to make an informed health insurance decision. To learn more about how we can help you, contact a California health insurance expert from Catherine Michaels Insurance Services today at 888-875-9888.

Health Insurance Coverage Options

There are four main types of health insurance plans that differ in the amount of coverage you receive as well as their policies for seeking specialized treatment. Your health insurance coverage options include:

• Fee-for-Service – you pay a deductible and part of any medical fees, while the insurance provider pays the other portion

• Health Maintenance Organization (HMO) – a prepaid plan in which you become a member so that you can have comprehensive access to healthcare doctors and hospitals selected by your insurance provider

• Point of Service (POS) – similar to HMO plans, but you can visit doctors outside of your plan while still receiving some coverage

• Preferred Provider Organization (PPO) – a plan in which you have a set list of doctors from which to choose, but you can go outside of the list if you get a referral, and you may have to pay slightly more out-of-pocket

Depending on your lifestyle and family situation, some plans may be better for you than others. You should talk to an experienced insurance agent about the best coverage for your health needs.

Contact Us

It is important to have health insurance so that you do not face needless financial distress due to extensive medical bills. To discuss your situation, you should contact a compassionate California health insurance advisor from Catherine Michaels Insurance Services at 888-875-9888 today.