The rising cost of healthcare is one of the prevailing issues in the US today and the importance of having a healthy insurance policy can not be stressed enough. Health insurance covers medical and surgical expenses through reimbursements or direct payment to the care provider in the amount not exceeding the policy. Health insurance can be purchased by an individual; however it is often included and required in employer benefit packages.

Common Types of Health Insurance

 

Health Maintenance Organizations (HMOs) – it is the most commonly used insurance where the health insurance plan gives access to a network of healthcare providers, doctors and hospitals. The policy holder chooses a primary physician and women also choose a primary OB/GYN. As a process, a referral is needed from the primary care physician, in cases where the patient needs to see a specialist. HMOs have lower upfront costs, have low deductibles, minimal to zero out-of-pocket expense and generally provide the highest coverage as compared to other types of healthcare.

Participating Provider Options (PPOs) – PPOs also give access to a network of healthcare practitioners and hospitals, except there is no need to choose a primary doctor. There is also no need for a referral as the patient is free to see other doctors even those outside the network. For this reason PPO has a higher premium and costs incurred from providers outside the network may not be covered.

Consumer Directed Health Plans (CDHPs) – This type of plan often involves pairing a high deductible PPO plan with a tax-advantaged account, like a Health Savings Account (HSA). A policy holder must first be considered an HSA-eligible individual before he can contribute money to the account. CDHP is a high deductible health plan, meaning the policy holder is responsible for larger out of pocket cost, as an effect, premiums are often lower than other types of health plans.

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*Product, coverage, discounts, terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual contracts, policies, and/or declaration pages from Allied-affiliated underwriting companies, which are controlling. Such products, coverage, terms, and discounts may vary by state and exclusions may apply.

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