Your insurance options may be limited if you have any of the following pre-existing conditions:
There are 2 types of health insurance plans:
Lower Cost plans
Prosthetic devices replace a body part or function which may be lost through trauma, disease, or congenital conditions.
Prosthetic devices can include:
A Point of Service (POS) plan has some of the qualities of HMO and PPO plans with benefit levels varying depending on whether you receive your care in or out of the health insurance company's network of providers.
A POS plan may be right for you if:
A Medicare PPO Plan is a type of Medicare Advantage Plan (Part C) offered by a private insurance company. In a PPO Plan, you pay less if you use doctors, hospitals, and other health care providers that belong to the plan's network . You pay more if you use doctors, hospitals, and providers outside of the network.
A PPO plan may be right for you if:
Health Maintenance Organization (HMO) Plan. In most HMO Plans, you can only go to doctors, other health care providers, or hospitals on the plan's list except in an emergency. You may also need to get a referral from your primary care doctor.
An HMO plan may be right for you if:
EPO stands for "Exclusive Provider Organization" plan. As a member of an EPO, you can use the doctors and hospitals within the EPO network, but cannot go outside the network for care. There are no out-of-network benefits.
An EPO plan may be right for you if: