Health insurance is something that most people are not familiar with. It is not as simple as just choosing a plan, it is a matter of understanding what managed care is and how it affects you and your health. City Centre Insurance Agency LLC in Houston, TX offers more than one insurance carrier to guarantee that you will have the best possibility of finding the right policy.
When it is time to choose your health policy for the year, it can be very confusing. Understanding what will be covered, how much it will pay, and what managed care means are all important. You will have to live with the decision that you make for the next year. That is a long time to live with a bad decision.
Basics of Managed Care
There are three basic types of managed care: HMO, PPO, and POS. There are important differences between the different types and knowing what those differences are and how they affect your coverage. Managed care organizations have contracts with groups of healthcare providers and medical facilities to help control costs. The more restrictive a plan is, the less it usually costs.
HMO stands for Heath Maintenance Organization which is the most restrictive type. With an HMO you need to get care within the network and have a primary care physician to coordinate your care.
PPO stands for Preferred Provider Organization will usually give the best rates for care within the network. But will pay part of the costs outside the network.
Point of Service coverage is a combination of HMO and PPO. It lets you choose which type of coverage you want on each occasion.
Schedule A Consultation Today
Contact City Centre Insurance Agency LLC when you need health insurance information or a new policy in Houston, TX. Give our office a call for a no-obligation quote.