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The major types of health insurance policies in Florida
A consumer-directed health insurance plan (a.k.a. “consumer-driven” or “consumer choice”) is a newer type of healthcare plan that’s designed to give you more control. As part of the plan, you setup a health fund that can be used to cover medical expenses.
Fee for Service
A fee for service plan is a more traditional healthcare plan. It means you pay a fee to your provider for every healthcare service you receive. The benefit of this type of health insurance plan is that it allows for a lot of flexibility when choosing a physician or healthcare provider.
Members of managed care health plans generally enjoy more benefits like lower out-of-pocket costs. However, you can only receive treatment from physicians that participate in the managed care network. Typical managed care plans include health maintenance organizations (HMOs), preferred provider organizations (PPO), and point-of service (POS) plans.
A healthy body is a happy body
Let’s face it, medical treatments aren’t cheap. Without health insurance coverage you could end up paying off medical bills for the rest of your life. Webb Insurance Options can help you find an affordable healthcare plan that’s right for you. Call 407-321-3355 or 877-321-3356 and talk with one of our friendly agents today to learn more.
Common Health Insurance Terms
The amount of money payed towards medical bills before the insurance coverage begins. The higher the deductible, the lower the premium.
A fixed amount of money to be payed upfront for doctor visits and prescription refills. Persons who make frequent trips to a doctors or pharmacy may want to consider a low copay.
Refers to the money that you must pay for services rendered after a deductible has been paid. The number is typically a percentage. Common splits are 80/20, 90/10, and 70/3.