Health Insurance

Although our health is our most important commodity, it can also be one of our biggest expenses; luckily, health insurance is available to off-set many of the costs associated with medical problems.

If you are able to choose your own coverage, you should understand the following:

• HMO -- Health Maintenance Organization (HMO) insurance is the most inexpensive option. It return, you get fewer choices. HMOs negotiate discount prices with specific doctors, hospitals, and treatment facilities. With an HMO, you must select an approved primary care physician to oversee your care.
• PPO -- Preferred Provider Organization (PPO) insurance is similar to HMOs in that the company negotiates discounted rates with specific doctors, hospitals, and treatment facilities. Unlike HMOs, however, PPOs give you the option of using the approved doctors or paying a higher fee to see a doctor of your choice.
• POS -- Point of Service (POS) insurance is a mix of an HMO and a PPO. Like an HMO, you have a primary care physician. However, for a higher fee you can go out-of-network without a referral from your primary care physician.

Regardless of the type of insurance you have, you must carefully read the list of exclusions. Exclusions vary, but the following items are frequently not covered:

• Birth control
• Vasectomy reversal
• Cosmetic surgery
• Elective surgery
• Hearing aids
• Vision aids
• Non-prescription drugs
• Experimental treatments
• Routine maintenance
• Private care

It is also important to know your company's policy on pre-existing conditions.

Health insurance is one of the most important purchases you can make, but also one of the most confusing. LoveToKnow strives to remove the cloud of mystery, allowing you to make a clear choice.

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