Comprehensive Health

Comprehensive health plans are PPOs, HMOs or Indemnity plans. Each of these three plan formats has its own unique set of features.

Preferred Provider Organizations (PPO)-
Members can take advantage of pre-negotiated pricing when utilizing providers that are within the PPO network. PPO plans do not require pre-authorization or referrals for specialists or hospital visits. Many PPO plans offer co-pay options for physician visits, as well as prescription medications. Along with an in-network benefit, these plans also provide coverage for out-of-network claims at a reduced benefit amount. (Click to Apply)

Health Maintenance Organizations (HMO)-
Designed to reduce the insured's out of pocket exposure by providing low-cost access to preventive services through a primary care physician (PCP), in an effort to help maintain good health. Services revolve around the primary care physician, thus the need for in-network specialist referrals. While the number of available in-network providers is typically adequate, out-of-network services will typically not be covered by the plan. (Click to Apply)

Indemnity Plans-
Designed to give the insured total freedom in choosing which providers (doctors and hospitals) they can use. This added flexibility results in higher premiums and higher cost of service. Typically, indemnity plans require the insured to satisfy a deductible before the insurance pays for claims. Services rendered by the provider are not subject to formal pricing caps, thus exposing the insured to greater out of pocket costs. (Click to Apply)

HSA-Qualified

A Health Savings Account (HSA)-Qualified Plan lets people pay for certain medical expenses with pre-tax dollars. An affordable alternative to the traditional health plan option, an HSA is a specialized savings account that is linked to a high-deductible health insurance plan.

A HSA-Qualified Plan is a great option for people who want to pay a small monthly premium, yet still have access to medical care. And, they can save money, since they only pay for the insurance they actually use. (Click to Apply)