One of the best ways to invest money with individual health insurance plan. However, like all investments, real medical insurance and the company is very important to get the most from. Before you make an intelligent decision, you must first get to acquaint themselves with the policies and coverage. Starting today, there are three main types of individual health insurance plan. Here they are.
Point of Service (POS)
POS can be viewed as a hybrid of HMO and PPO. This plan gives policyholders the freedom to choose their own doctor inside or outside the network, while benefiting from low cost referral fee. But if you live with the network of outlets, all would go well and without pain. The disadvantage is that you may experience difficulties while having a referral to a specialist. Among these three types of health insurance plans are probably the best point of sales growth of policies to eliminate security. But when it comes to price, it is certainly not the coverage of health insurance less expensive.
Preferred Provider Organization (PPO)
Unlike HMO, PPO allows users to choose doctors outside the PPO network. In addition, you will not need to visit the appropriate medical expert. However, when selecting a specialist outside the network, the fee is usually higher. Its affordability makes it the first choice for some people to doctor-back plans.
Health Maintenance Organization (HMO)
HMO care in general also prevention. Under the HMO, you must pay the monthly medical insurance, so you pay only a small part of the fee for a medical consultation. This is similar to the PPO, however, one can conclude that it is a low-cost health insurance. As of now, this is probably the cheapest health security policy. HMO very encouraging policyholders to visit the doctor regularly. The downside is that you have limited options when choosing your doctor.