You never plan to get hurt or become ill. If it happens to you, getting the proper care can cost a lot of money. Without health insurance, you’ll pay for all expenses out of pocket. Learn four advantages of carrying health insurance. Schedule time to speak with the experienced agents at Freeland Insurance in Oklahoma City, OK, for advice on which plan would work best for you.
What Is Health Insurance?
Health Insurance helps to pay for medical care. Without it, you’d have to pay all the costs upfront. There’s usually a deductible, or amount you pay before coverage begins, and the policy will list the types of care and procedures covered.
Advantages of Health Insurance
Here are four advantages to having health insurance. First, health insurance often pays for both preventative and emergency care. Therefore, it helps you maintain your health and recover from illness and accidents simultaneously. Second, it shields you from unexpected medical costs. Third, you save on care when you choose in-network providers. Fourth, most plans include preventive care, such as screenings, check-ups, and vaccines, even before you have paid the deductible.
HMO vs. PPO vs. EPO
A Health Maintenance Organization or HMO provides health services through an established list of healthcare providers and facilities. With an HMO, you have less paperwork and less freedom to choose your providers. For example, a network primary care doctor refers you to network-approved specialists.
With a Preferred Provider Organization or PPO, you’ll pay more upfront to visit out-of-network providers. You won’t need a referral from your primary care physician to go to a specialist.
You can pick your providers if you choose an Exclusive Provider Organization or EPO. There’s no coverage for providers outside the network unless it’s an emergency. Additionally, EPOs are typically cheaper than HMOs.
Experienced Health Insurance Agents in Oklahoma City, OK
Make an appointment with Freeland Insurance for answers to more of your health insurance questions. Our friendly, knowledgeable agents can help you make an informed decision for yourself and your family.