HMO or PPO: Which is the Best Type of Insurance for Me? Understand your Health Insurance!!!

[@djcrash1104]

Our company went from a ppo to an hmo and now I can’t see the back surgeon that I’ve been using because he doesn’t see anyone on hmo’s. There shouldn’t be two systems like that.

[@iHealthBrokers]

So sorry to hear that. Do you think you could apply for a gap exception?

[@djcrash1104]

@@iHealthBrokers I’m not sure. Sure is frustrating. Thanks for the suggestion. I’ll check on that.

[@patrickpetrowsky8136]

I just became disabled and was put on medicare. While at a mobile food pantry a representative for Anthem blue cross blue shield was there. He signed me up for an HMO. Didn't mention a PPO. But what happes to the specialists I'm already seeing? Do I still need to go back and get referrals? I've been seeing them for over 2 years.

[@iHealthBrokers]

Unfortunately, yes you'll still need a referral. You should also make sure your specialist is in network. If not and this is your first year on a Medicare Advantage Plan, you are still within your trial right and may be able to switch to a plan that works better for you. Please feel free to call with any questions: 888-410-0344. If your plan isn't working out, we can try to find you something more tailored to your needs. Best of luck and thanks for the great question!

[@patrickpetrowsky8136]

@@iHealthBrokers so I called all my Doctors and they all accept medicade.

[@iHealthBrokers]

@@patrickpetrowsky8136 That's excellent. Getting a referral may be a bit of a pain at this point, but at least all of your doctors accept your new plan!

[@rain7096]

👍

[@iHealthBrokers]

👍

[@orlyii]

How ppo handless vision and dental

[@iHealthBrokers]

Usually dental and vision coverage are separate. They can still operate like PPOs and HMOs. For example, a dental HMO is called a DHMO and it works in much the same way that a health insurance HMO does. You will need to go in network to receive coverage. You can learn more in our video about dental insurance here: kzbin.info/www/bejne/gWOTp2ObhpZ0Y8k Thanks for your question!

[@desireyves1435]

Hello, i am a 24 year old. I need health insurance. I do not really understand all these too much. All i need is, if i get an injury from soccer ( which i play regularly ) or if i get an infection that need antibiotics or any illness, I want to be able to get/feel the insurance doing its job. i do not want to see 2,000 dollar bills. I just want to make sure I get the worth of what I pay per month. I want to be able to do let say an xray and or see a knee specialist and also if i need blood drawn blabla... I want to get taken care off but not expecting exaggerated bills. I am healthy with my life no smoke etc but I get sick often ( maybe 5 OR mor times a year) i went to the ER 3 times in 4 months this year or i get injured 3-4 times a year ,, also have so chronic knee pain all that ) i dont mind 0-400 a month as long as the insurance takes a nice chunk of the bill. In general do you think i should get HMO PPO HDHP HSA?? I just get unlucky and have my sick periods and after that I am goo for 9 months or a year ... I just need something to count on :( sorry for the long message I am just confused IDK what to choose. please let me know which type and actual insurance names ( blue shield aetna etc) thank you!!!

[@iHealthBrokers]

Not all plans are available in all areas so we couldn't just give you a blanket recommendation without more information. It sounds like you want a more comprehensive plan with more extensive coverage but are willing to pay a higher monthly premium. If that is the case, HDHPs would probably not be your best option. Those will offer lower monthly premiums but potentially higher bills when you utilize your insurance. PPOs will have more flexibility than HMOs but may not be available on the marketplace. Please give us a call at 888-410-0344. There is no charge or pressure to buy/enroll but it would be much better to have a conversation discussing all of your needs and wants so that we can better present you with all of the options available. Thanks for your question!

[@kbaseti5861]

It's such a scam either way. It's about at the point where avoiding insurance and just accepting the debt if something happens makes more sense. You'll get treatment either way, and then just pay the debt as you choose, if you choose, instead of letting these unethical companies pound you in the rear every paycheck.

[@iHealthBrokers]

It can really feel like you're stuck between a rock and a hard place! You may want to look into a short term medical insurance plan. You can customize your coverage so that you don't have to deal with high premiums BUT have an out of pocket max. This can save you from major medical bills should you experience some type of medical catastrophe. That's why it's often called catastrophic coverage. You can reach us at 888-410-0344 if you need any assistance.