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Provides some protection from medical debt - the leading cause of personal bankruptcy in the U.S.
Free preventive care, including: immunizations, contraceptives, cancer screenings, pelvic exams, STI testing, and others
You have the option to get a plan from the Obamacare Marketplace or find a different private plan off the Marketplace
Access to affordable prescription drugs, from antibiotics and contraceptives to antidepressants and other medicines
People with pre-existing conditions can't be denied coverage under a major medical health plan
You may be eligible for many different types of health coverage: major medical, short term, faith-based healthcare, high-deductible, and others
HMO, PPO, EPO, or POS: Which Type of Plan Is Right for You?
The type of insurance plan you pick determines how many providers will be covered under your plan and whether you'll need a referral from your Primary Care Doctor (PCP) before seeing a specialist (e.g dermatologist, cardiologist, radiologist).
|Types of Major Medical Plans|
|Do specialists and procedures require a referral?||Do I have to stay in-network to get coverage?||Is it for me?|
|HMOHealth Maintenance Organization||Yes||Yes(Except for emergencies)||If you want more provider options and don’t want to have to deal with referrals.|
|PPO Preferred Provider Organization||Yes||No(In-network care is less expensive)||If you want more provider options and don’t want to have to deal with referrals.|
|EPO Exclusive Provider Organization||No||Yes(Except for emergencies)||If you want lower out-of-pocket costs but don’t want to have to deal with referrals.|
|POS Point-of-Service Plan||Yes||No(In-network care is less expensive; referral needed for out-of-network)||If you want more provider options and a primary care doctor that coordinates your overall care.|
Obamacare Metal Plans: What They Are, How They Work
There are 4 different coverage levels, often referred to as “metal plans” because of their corresponding names: Bronze, Silver, Gold, and Platinum. They all offer the same essential health benefits. The main difference among Bronze, Silver, Gold, and Platinum plans is how much you pay for care versus how much your plan covers.
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Most Popular Questions About Health Insurance
Q: How Long Does It Take to Sign Up for Health Insurance?
We get this question a lot. If you know exactly what you want, you could sign up for health insurance in 10 minutes. If you’re not familiar with different types of health insurance, it wouldn’t hurt to ...Read More
Q: How Long Is the Health Insurance Waiting Period After I Sign Up?
There will generally be a short health insurance waiting period between when you enroll in coverage and when your plan actually begins to cover you. Your waiting period will depend on the type of ...Read More
Q: What Is a Deductible?
A health insurance deductible is the dollar amount you have to pay out-of-pocket for covered healthcare and medical services before your health insurance coverage “kicks in” and starts to cover the cost of your care.Read More
Most Popular Health Insurance Articles
This outline details the pros and cons of HMOs, PPOs, EPOs, and other plan types in an effort to ...
HDHPs are best-suited for people who are relatively healthy and rarely get sick or go to the doctor.
If you’re looking to buy your own health insurance for the first time (or you need helping shopping for a new health insurance policy).