Medical Insurance

Health Insurance

Many companies offer some form of health insurance. Most companies provide a choice of plans, the most common types being health maintenance organizations (HMOs) and preferred provider organizations (PPOs).

What is a HMO

 You can only see healthcare providers who are members of the plan unless you receive prior approval to see another specialist outside the plan. You will choose a primary care physician (PCP), and he or she will evaluate your health needs, referring you to another plan care provider if necessary.

What is a PPO

Typically, you can see any doctor you like, as long as he or she accepts your insurance. You don’t need to receive permission from a primary care physician, and you have greater flexibility. However, PPOs usually cost more than HMOs.

Here are questions to consider when evaluating your health insurance:

• How often do I see the doctor?
• Is routine care (such as annual physicals and gynecological appointments) covered?
• What is the co-payment for office visits and prescriptions?
• Are birth control pills covered?
• What is the monthly charge to me for each plan?
• Does the plan cover dental? Vision?
• Does the plan cover alternative treatments (such as acupuncture, chiropractic, and massage)?