183 Landrum Ln #101, Ponte Vedra Beach, FL 32082 |
904-280-2589
Why Should I Get Health Insurance?
You never know when you might need it. Unexpected illnesses or accidents can happen to anyone at any time. Health insurance can help cover the cost of medical care and treatment. If something happens and you don’t have health insurance, you could be facing thousands of dollars in medical bills. Health insurance can help protect you from unexpected expenses.
It’s affordable. Health insurance is more affordable than you might think. There are a variety of plans available, and we can help find the best plan for your budget.
It’s important to have health insurance coverage even if you don’t use it often. Many people only go to the doctor or hospital once or twice a year, but if something happens and they don’t have health insurance, they could be facing huge medical bills.
If you’re looking for quality health insurance coverage, contact Moran Insurance & Financial Solutions today. We can help you find the right plan for your needs and budget.
Types of Health Insurance Plans
Health Maintenance Organization (HMO):
The main advantage of an HMO is its low cost. Because the insurance company contracts with a limited number of providers, they are able to negotiate lower rates. In addition, many employers offer tax breaks for employees who enroll in an HMO.Preferred Provider Organization (PPO):
A Preferred Provider Organization (PPO) is a type of health insurance plan that gives you more choice and control over your health care. With a PPO, you can choose to see any doctor or hospital in the network, without having to get prior approval from your insurer. You'll also likely enjoy lower costs when you use providers within the network. If you are looking for a great value on quality healthcare coverage, then a PPO may be the right fit for you. We are proud to offer our clients access to some of the best rates and networks available through our Preferred Provider Organization (PPO) status. Our team can work with you to find an insurance program or financial solution that meets your specific needs. Contact us today to learn more!
Exclusive Provider Organizations (EPOs):
An EPO is a type of health insurance plan that contracts with only one healthcare provider network. This means that members are restricted to using the providers within the EPO's network, and out-of-network care is not covered. EPOs can be helpful for people who know they want to use a particular healthcare provider and don't want to worry about being charged more for seeing out-of-network doctors.Point-of-Service Plans (POS):
A POS insurance plan pays for care as you receive it. You usually have a lower monthly premium than with other types of plans, but you also typically have a higher deductible. With a POS plan, you can go to any doctor, hospital, or other healthcare provider that accepts your insurance. However, you may only visit providers in your network (the set of doctors and hospitals that your insurer has contracted with) for free or at a reduced cost.
