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Central Lakes Insurance Brokers

4820 W 77th St #125
Edina, MN 55435

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Featured Insurance Blog

Health Insurance Basics

When it’s time to choose a health care plan, it’s best to know the basics. Health insurance covers medical expenses. Check with the independent insurance agents in Edina, MN at Central Lakes Insurance Brokers to help you with the details of health insurance.

Types of Health Insurance Coverage

Depending on your financial situation and what services you’ll need throughout the year, there are several different plans that you can choose from.

  • Health Management Organizations (HMO) – an HMO is a managed care insurance policy. Generally, the premiums for HMO’s are lower than traditional plans. This organization has a network of providers located in your area where you will need to elect a primary care physician. A primary care physician will see you for your preventative care as well as give you a referral when you need to visit a specialist.
  • Preferred Provider Organization (PPO) – is another managed care plan that allows you a little more freedom when it comes to choosing your provider. The premiums are usually a bit higher as well as the cost for co-pays and deductibles, but it comes with the benefit of not having to choose a primary care physician and you can go to a specialist without prior authorization.
  • Point of Service (POS) – offers details of both an HMO and a PPO plan. Like an HMO, the POS requires you to have a primary care doctor that is within the network. Like a PPO, the POS allows you to choose out-of-network providers at a higher cost.

Where Can Get Health Insurance

Stop by the Central Lakes Insurance Brokers office in Edina, MN for information regarding health insurance. Our agents will guide you on everything that you’ll need to get started with a policy. We can also help you with auto, home, and life insurance policies.