Individual Plans

Common Health Insurance Terms:

PPO- Preferred Provider Organizations:
To receive full benefits you must utilize a list of providers,
“in the network” Use of non emergency providers outside the
network will reduce your benefits and increases your out of
pocket expenses.

HMO- Health Maintenance Organizations:
To receive full benefits you must utilize a list of providers,
“in the network” Most care must be directed through a “primary
care doctor” Use of non emergency providers outside the network
will not be covered.

HSA- Health Savings Accounts
A Health Savings Account is a tax-favored savings account
combined with a qualifying high-deductible health insurance plan.
First you must have a high-deductible health insurance plan that
qualifies to be partnered with an HSA.

Simply put, health insurance is protection against medical costs. A health insurance policy is a contract between an insurer and an individual or group, in which the insurer agrees to provide specified health insurance at an agreed-upon price (the premium).

Health insurance usually provides either direct payment or reimbursement for expenses associated with illnesses and injuries. The cost and range of protection provided by your health insurance will depend on your insurance provider and the particular policy you purchase. If your employer does not offer a health insurance plan, you may wish to purchase health insurance on your own.