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Ga Health Insurance

GA Health Insurance – What are Your Options?

If you are searching for Georgia health insurance – the first thing you must do is understand the meaning of the health insurance acronyms, such as HMO, PPO, and POS.

HMO (Health Maintenance Organization)

An HMO is a managed care policy that is offered through most health insurance providers. This organization arranges for coverage of certain health care services with certain health care providers.

A typical HMO health insurance plan includes access to primary care physicians, emergency care, and specialists or hospitals. Many HMO’s promote preventative care services in an attempt to prevent diseases or illnesses through early detection.

PPO (Preferred Provider Organization)

A PPO is a preferred provider organization which is also a form of managed care.

The health care providers contract with the organization to provide medical services at a previously negotiated rate.

Individuals who are part of a PPO are mostly required to use the health care plan provider’s who are participants in the PPO network. By using a health care provider outside of this network of providers, you may end up paying more out-of-pocket expenses.

POS (Point-of-service)

A POS is a point-of-service health care plan that allows you, the policy or certificate holder, to visit an out-of-network and non-participating doctors or medical care facilities for a fee.

If the health care services of a non-participating health care provider are used, you may have restrictions of benefits from your health care insurance provider and incur more out-of-pocket expenses.

Although the pursuit of private insurance can be daunting it does not have to be confusing or frustrating. At CVTY-HealthInsurance.com we offer plans from Coventry Health Care and other insurance companies as well. This allows you to find the best plan for GA health insurance that not only fits your budget but your individual needs or family needs.


GA Health Insurance

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