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NOT ALL COVERAGE IS THE SAME, LET US EXPLAIN
When it comes to health insurance, there is no one size fits all solution. Different health coverage plans offer varying levels of benefits, costs, and provider options to cater to the diverse needs of individuals and families. Understanding the key differences between these plans can be instrumental in making informed decisions about the most suitable coverage for your specific healthcare requirements.
At Health Insurance Helper, we offer the following plans: (Preferred Provider Organization) PPO Network, (Health Maintenance Organization) HMO Network, (Exclusive Provider Organization) EPO Network, and Health Sharing Plans.
Network Plans
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Tier I
PPO Networks are designed to offer individuals access to a wide range of healthcare providers, both in and out of the Network. While visiting in network providers usually comes with lower out-of-pocket costs, PPO plans also cover some portion of out-of-network care. This freedom of choice typically comes with a slightly higher premium, making it an attractive option for those who prioritize access to a broad network of doctors and specialists.
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Tier II
HMO Networks sometimes don't give you in and out of networks like PPO Network plans. Individuals must choose a Primary Care Physician (PCP) from within the network, as the gatekeeper for all medical needs and referrals to specialists. HMO plans typically offer lower premiums and copays, created for individuals who are financially stricken with major pre-existing conditions or chronic diseases and seeking comprehensive coverage.
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EPO Network
EPO Networks combine certain elements of both PPO and HMO plans. You do not require a referral from a PCP to see a specialist within the network and does not cover any out-of-network care, except for emergencies.
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Nationwide Health Sharing Plan
Health Sharing Plans offer an alternative to traditional health insurance. These plans involve a community of members who pool their resources to cover each other's medical expenses. While Health Sharing Plans can be more affordable than conventional insurance, they may have certain limitations and restrictions on coverage.
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It is the courage to continue that counts.”