Health insurance is essential not only to your health but to your financial health as well. You may delay or choose not to get the healthcare you require if you are worried about being able to afford it. At Central Lakes Insurance Brokers in Edina, MN, we understand the importance of making the right choice. We are here to provide the guidance you need to make the correct decision.
Are my doctors in the plan?
When choosing a new health insurance plan, it is important to visit their website before making a final decision. All health insurance plans have a network of providers. Not every doctor or hospital is in every network, making it vital that you check the network.
What type of plan is it?
Health insurance these days usually involves managed care. Three types of managed care are the most common. You can choose an HMO, a PPO, or a POS. The HMO is most often the best-priced of the plan options.
- HMO (Health Maintenance Organizations) With an HMO, you must have a primary care physician to coordinate your health care. The insurance will only pay for care within the network.
- PPO (Preferred Provider Organizations) With this type of plan, you will be able to get service within or outside the network. In most cases, you will pay less if you stay within the network.
- POS (Point of Service) With this type of plan, you can choose either a PPO or an HMO for each service you receive.
Contact our office
When you need to get new health insurance coverage, having an agent who can provide all the services you require is vital. Our experienced agents at Central Lakes Insurance Brokers in Edina, MN, can provide the help you need.