Health Insurance
Health insurance is a vital financial tool that provides coverage for medical expenses, ensuring you and your family can access necessary healthcare services without the burden of exorbitant costs.
It typically covers services such as doctor visits, hospitalization, prescription medications, and preventive care.
Health insurance policies vary in terms of coverage, with options for individual, family, or group plans. It offers peace of mind, knowing that you have financial protection in times of illness or injury, and can access quality healthcare when needed.
S A V E T O D A Y
Types of Coverage
01.
Health Maintenance Organization (HMO)
Description: HMO health insurance plans require members to choose a primary care physician (PCP) who manages their healthcare. Referrals from the PCP are typically needed to see specialists.
Features: HMOs often have lower premiums and out-of-pocket costs, but they require members to use a network of healthcare providers. They are known for their emphasis on preventive care and coordination of healthcare services.
02.
Preferred Provider Organization (PPO)
Description: PPO health insurance plans offer more flexibility in choosing healthcare providers. Members can see specialists without referrals and can visit both in-network and out-of-network providers.
Features: PPO plans provide a balance between choice and cost. While they may have higher premiums than HMOs, they offer the freedom to see any healthcare provider. In-network services are typically covered at a higher rate.
03.
Point of Service (POS)
Description: POS health insurance plans combine features of HMO and PPO plans. Members are required to choose a primary care physician, similar to HMOs, but they can also see out-of-network providers, typically at a reduced coverage level.
Features: POS plans offer the flexibility to choose specialists and out-of-network care, though at a higher cost than in-network services. They provide comprehensive coverage and often require referrals for specialist care.
G E T S T A R T E D T O D A Y
Ready to discussyour insurance needs?
Our dedicated team is here to assist you.
Contact us today to schedule a consultation or request a quote.
VitalShield Insurance is your trusted partner for securing your future and well-being
Address: 123 Elm Street Maplewood, NJ 07040
Assistance Hours:
Mon – Fri 9:00am – 5:00pm