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Okay...so you've visited countless websites,
received instant quotes and colorful benefit
descriptions with enough small print to make you
scream...WHAT DOES IT ALL MEAN (and who writes
this stuff)!!!
Well
we didn't write it but after years of reading it,
we have boiled down the various plans to 5 key
elements...and if you understand just these
points...you will be able to walk into the health
insurance market with confidence (and a fair
amount of sanity left).
So
before we get started, let's list the 5 points:
1. Doctor doctor...which doctors you
can see and how that access is handled
2
Premium premium premium...are people paying
too
much to over-insure the small bills??
Let's see.
3. The Big What-if...the
real reason you are buying health
insurance...big bills
4. Pennies on the
Nickel??...from the doctor visit to the
broken leg - getting the real story on the small
bills
5. RX dollars...prescription
coverage going up up up
Now granted, there are tweaks and twists between
the plans, but with the above 5 points, you
already have 90% of it...the other 10% you can ask
us.
So
let's get started. HMO, PPO, EPO...what does
it all mean. We will take a good look at
what they are but more importantly...how they
affect your care. Let's take a closer
look...at the
networks
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UNDERSTAND