1. Individual HMO Plans- Generally:
3. Short-Term Medical Plans- Generally:
Short-Term Medical Plans provide temporary health insurance
coverage (i.e. from 30-185 days*) and are designed for
individuals that need to bridge a gap between other coverages
(i.e. a student graduating college, but still not working; or a new
employee waiting to be eligible for coverage with his/her
employer group). Short-Term Medical Plans are generally
affordable. Click on the Short Term Medical link for additional
information and rates.
coverage (i.e. from 30-185 days*) and are designed for
individuals that need to bridge a gap between other coverages
(i.e. a student graduating college, but still not working; or a new
employee waiting to be eligible for coverage with his/her
employer group). Short-Term Medical Plans are generally
affordable. Click on the Short Term Medical link for additional
information and rates.
4. Limited Coverage Plans- Generally:
This encompasses a variety of limited coverage plans, such as
plans that only cover hospital services and certain plans that
are not considered insurance, such as discount plans.
plans that only cover hospital services and certain plans that
are not considered insurance, such as discount plans.
Please provide us with some basic information and we will explore the
available alternatives, and provide you with specific benefits and costs
information. There is absolutely no obligation on your part.
available alternatives, and provide you with specific benefits and costs
information. There is absolutely no obligation on your part.
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HMO Plans require the member to use the providers
(physicians, hospitals, pharmacies, other ancillary providers) in
the HMO’s contracted network. The member is required to
select a Primary Care Physician (PCP), who provides the
member with referrals to network specialists. There are no out-
of-network benefits, except in the case of emergencies. HMO
plans typically use a co-pay structure, with the member paying
a set amount to the provider (i.e. $10.). Individual HMO Plans are
subject to underwriting.
(physicians, hospitals, pharmacies, other ancillary providers) in
the HMO’s contracted network. The member is required to
select a Primary Care Physician (PCP), who provides the
member with referrals to network specialists. There are no out-
of-network benefits, except in the case of emergencies. HMO
plans typically use a co-pay structure, with the member paying
a set amount to the provider (i.e. $10.). Individual HMO Plans are
subject to underwriting.
2. Individual PPO Plans- Generally:
PPO Plans require the member to use the providers in the PPO’s
contracted network. However, PPO Plans do not require the
selection of a PCP and typically offer out-of-network benefits at
a reduced level. PPO Plans are structured with a deductible and
co-insurance, paying benefits at a set % of the total bill (after the
deductible), with the member assuming responsibility for the
balance (i.e. $500. deductible; 80%/20% plan). Individual PPO
Plans are subject to underwriting.
contracted network. However, PPO Plans do not require the
selection of a PCP and typically offer out-of-network benefits at
a reduced level. PPO Plans are structured with a deductible and
co-insurance, paying benefits at a set % of the total bill (after the
deductible), with the member assuming responsibility for the
balance (i.e. $500. deductible; 80%/20% plan). Individual PPO
Plans are subject to underwriting.
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Your Resource to Affordable Health Plan Coverage
