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admin — Sat, 14 Aug 2010 12:46:50 +0000

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Free quote helps find the best medical insurance and family health insurance

admin — Mon, 12 Jul 2010 03:38:38 +0000

It is only natural that you would want to look for the best medical insurance for your family’s needs. R. Curtis Insurance wants to aid your search by offering a free family health insurance quote.

More than likely, your family health insurance quote will turn up several options among today’s various medical care plans. You can expect to choose from among options such as the following.

Health Maintenance Organization- A health maintenance organization, or HMO, helps families keep down their out-of-pocket medical costs in exchange for seeing only those physicians and specialists that are part of the insurance company’s network.

A primary care physician, or PCP, will be the doctor that families see regularly. This doctor will conduct all regular check-ups, provide vaccinations and treat minor illnesses and injuries. The primary care physician also will refer families to specialists when necessary, something that the HMO requires as a cost-saving measure.

Most families who choose an HMO find it’s biggest benefit is keeping health care costs low. HMOs also offer more preventive medical care, such as vaccinations, and medical, dental and vision check-ups. Families on a budget like the HMO’s no-deductible plan and low co-payments. However, since HMOs typically have a smaller network of physicians, it can be difficult for families to get an appointment in times of illness or injury.

Is HMO the best medical insurance plan for your family? While some people may think so, the drawback to an HMO for family health insurance is the lack of coverage for medical services outside the network. If your child gets sick or injured while you are visiting Grandma, your only option may be to go to a hospital emergency room in order to stay within your coverage. Any other medical treatment may have to wait until you get home. This may not always be the best medical insurance plan for you.

Preferred Provider Organization- This kind of family health insurance, called a PPO, offers a little more flexibility in choosing health care providers. There’s still a network, but it is a different kind of network. In a PPO, the insurance company has contracted with a network of health care providers to offer medical services at discounted rates. PPO participants pay a co-payment for each doctor visit and often have to pay out a deductible before the insurer’s portion of payment begins. Out-of-network health care will cost more out of pocket because the insurance company will pay less of the total expense. So in this case, a family may be forced to choose: stay with kindly Dr. Brown, who’s been the children’s doctor since they were born, or forsake their longtime physician in order to save money.

Point of Service- This kind of family health insurance, known as POS, combines some features of PPOs and HMOs. Participants still choose a primary care physician, but there’s a wider network from which to choose, and it’s more likely that kindly Dr. Brown, the children’s favorite doctor, will be in this kind of network. This means that families benefit from having one physician who knows their health care situation intimately, and can tell expertly when it’s time to refer Mom, Dad or one of the kids to a specialist. So again, the family balances an ongoing health care relationship, including preventive care services, with a money-saving mechanism. Many people consider this as the best medical insurance plan for the whole family.

Family HMO Insurance plans – Do These Family Health Insurance Plans Work ?

admin — Sat, 12 Jun 2010 19:20:26 +0000

Are you looking for convenient access to health care? If so, consider the many choices offered through family Health Maintenance Organization (HMO) plans. With HMO’s you normally do not have to pay a deductible if you visit a health care provider that participates within the HMO network. The co-pays are relatively small and the service varied.

How does an HMO plan work?

One of the many benefits of an HMO plan is that the out-of-pocket expenses that you incur are limited to a fixed dollar amount as long as the medical care you receive is within the HMO network. With an HMO, you are required to select a Primary Care Provider (PCP) from within the HMO network. This medical professional will be the first contact for all your medical needs. If you were to require further medical treatment, your PCP will complete a referral so that you can see a specialist to further aide in your health care. The type of care covered with family HMO plans include: * Physician and outpatient care * Hospital care * Behavioral health services * Emergency services * Other services such as medical equipment, home health visits, etc

You will find the detail of coverage provided in the packet of information you receive from your provider of health insurance.

What type of premium and copayments can you expect with an HMO plan?

Often times, you will pay a higher premium with family HMO plans. The reason for this is that the amount you pay is normally lower than with other insurance programs. Based upon the type of services you select and the plan you choose determine the amount of your copayment. You may pay up to $25 for your PCP (or lower) and up to $300 for hospitalization. Therefore, look carefully at the plans and choose one that fits within the needs of your family.

There are some HMO plans that have a deductible and this usually pertains to prescription drug care. Other plans do not due to the agreed upon contract for your out-of-pocket expenses regarding health care services.

What are the benefits and drawbacks of family HMO plans?

With an HMO plan, you can choose to open a Flexible Spending Account (FSA). This type of account allows you to set aside money for copayments, prescription drug therapy, along with other items that are part of an approved list – tax free. When choosing an HMO plan it is important to find a medical professional that is on the approved list that also meets the needs you have for your family. HMO plans normally only cover those doctors and or services that are within their network, unless of course you encounter an emergency. Your PCP is the hub around all other necessary medical services.