The understanding of various types of health coverage options such as HMOs and PPOs will help you choose a health plan that meets your needs best. How to evaluate your health plan options, here are common terms used to describe various health plan coverage options. 
species Common Health Plan
1. HMOs (Health Maintenance Organizations)
HMOs reporting to the provider may limit within their networks. A network is a list of doctors, hospitals and other healthcare providers that provide medical care for the members of a specific health plan. If you use a doctor or a device that is not in the HMO network, you can pay the full cost of the services provided. HMO members with a GP in the rule and must referrals to see specialists receive.
2. PPO (Preferred Provider Organizations) and POS (Point-of-Service) plans
These insurance plans a selection of toiletries always within or outside of a provider -Network. With PPO or POS plans, can be used out-of-network providers and facilities, but you will have to pay more than if you in network use those. If you have a PPO plan, you can visit any doctor without a referral. If you have a POS plan, you can visit all in-network provider without a referral, but you will have to attend a one provider out-of-network.
3. Multi-State
multi-state plans are consumer-friendly insurance choices supported by the experience of the US Office of Personnel Management (OPM), the same agency , health insurance for federal employees supervised. Multi-state options offered this year by some of the government marketplace (2014), and more are expected to be added in the coming years.
4. plans with a national provider Network
plans with a national provider network can be offered nationwide to see. You can get health care services at a lower price if you use doctors, hospitals, and specialists to plan the network.
Add Tiered provider networks, health insurance site providers, such as doctors and hospitals, in stages (usually only 1, but sometimes 2 or 3). You can pay different levels of co-payments, coinsurance and / or deductibles at the level of your health depends. The lower the level, the less you pay for a covered service or supply.
5. Indemnity
Indemnity health plans are known as fee-for-service plans for the pre-determined amounts or percentages of the cost of the member paid services. You may be responsible for deductibles and coinsurance amounts. In most cases, you pay out of pocket and then to lodge a complaint will be reimbursed for the amount covered.
6. Referral required
Some plans you need to have a referral: a written order from your primary care physician or a specialist will get to see certain medical services. In many Health Maintenance Organizations (HMOs), you need to get a referral before you receive medical care from anyone except your primary care physician. If you do not get a referral first, the plan may not pay for the services of
. See also: Understanding Health Plan Costs
Dental Coverage
dental coverage helps for basic or preventive services for the cost of visits paid to the dentist, such as teeth cleaning, x-rays and fillings. Dental coverage may be offered as part of a health plan, or even by a separate, stand-alone dental plan.
Health Savings Accounts (HSAs)
A health savings account (HSA) is a type of medical savings account for those available, who are enrolled in a high deductible plan Health. The funds in the account contributed are not subject to federal income tax at the time of deposit. Funds must be used to pay for qualified medical expenses. Some health plans are advertised as "HSA-qualified" because they meet the requirements to open an HSA
. See also:
Medical management programs
Some health plans programs offer specific health concerns such as heart disease or diabetes manage to help. When you compare plans, you can see plans and the programs that interest you.
What other conditions are important coverage health plan to understand. Which questions do you have?
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