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KATHY
HOPE |
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Insurance
Broker |
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CALIFORNIA
LIC
# 0793269 |
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800-792-9114
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Choosing
a health insurance plan can be
one of the most very difficult and
complicated decisions the
family or individual has
today. |
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There
are many models to choose
from, each with it's own
unique cost
and unique features. How do
they all differ...or do they?
It's a lot to learn!
Let's look at some common
insurance terminology and
answer some basic questions
around managed
care.
| What's
a HSA? |
What's
a HMO? |
What's
a PPO? |
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BASIC
INDIVIDUAL INSURANCE CHOICES |
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Originated
as a way to control
skyrocketing costs of health care.
It's intent was to deliver health care less expensively by overseeing the use of the care, the quality
of the care, and the cost of the care.
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There is also a
relatively new plan
available ... |
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HSA
- Health
Savings
Account
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HSA
Eligible plan
is a high
deductible
plan which
enables one to
open a savings
account.
Similar to an
IRA
plan.
One may save
in a tax
deductible
account
amounts from
$2850 to
$5650.
One is
partially
self-insuring
themselves
with this new
concept.
An individual
may choose a
traditional
$500
deductible
plan where
$500 per month
would be the
premium
or,
he/she may
choose a $3500
deductible HSA
plan and pay a
premium of
$200 per month
and save $300
per month in
an HAS savings
account. |
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HMO
- Health
Maintenance
Organization
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most
controlled
type of plan
as you must
use the HMO's
doctors and facilities.
Medical care
outside the
system is not
covered. |
Some basics
include:
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Lower
out-of-pocket
costs. |
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Lower
deductibles
and plan
limits. |
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Low
cost
doctor
visit
co-pays of
$15 -$45 |
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No
paperwork
or claim
forms. |
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PPO
- Preferred
Provider
Organization
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This
is a network
of doctors and
hospitals that
has agreed to
accept a
discounted fee
for their
services from
the
plan.
It may be the
plan for you
if you like
the freedom of
choosing your
own doctor and
hospital and
are willing to
pay some of
the
costs. |
Some
basics include:
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You
may
go
to
any
doctor
in
the
network
at
any
time
without
a
referral,
including
all
specialists.
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A
co-pay
at
doctor's
office
of
$15
-
$45.
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You
may
go
out-of-network
"at
will"
to
any
top
specialist
for
your
serious
problems.
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No
claim
forms
or
paperwork.
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Prescription
coverage
is
included. |
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Carriers
We Often Recommend
For California Residents |
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Blue Shield
- Anthem Blue
Cross -
Healthnet
Pacificare - Aetna - United
Health - Kaiser
Universal Health |
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