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What is the Difference Between HMO, EPO and PPO, Medicare, Marketplace, and More

What is the Difference Between HMO, EPO and PPO, Medicare, Marketplace, and More Call us at iHealthBrokers today at 888-410-0344. Our services are 100% Free! ★☆★ABOUT THIS VIDEO★☆★ 0:00 Intro 0:33 PPO 3:21 Dental Insurance 5:05 Short Term Medical 6:26 Medicare Advantage 7:07 EPO 9:11 HMO 10:30 Final Thoughts PPOs will give you the most flexibility. You will not need a PCP which is primary care physician. You will also not need a referral to see a specialist. So, what does that mean? Basically, if you want to see anyone other than a general practitioner, with other types of plans you need to first go to your PCP to have them refer you to a specialist like a cardiologist or neurologist. This can be difficult for many reasons. It’s an extra visit You have less control Waiting Now these types of plans usually have higher monthly premiums when compared with HMOs or PPOs. However you will have coverage in and out of network. This applies to marketplace plans, private insurance, short term medical plans, Medicare Advantage (more on that in just a moment) and even dental insurance. While we are discussing dental insurance, we would recommend going the PPO route. When discussing general health insurance, it is often not too difficult to find a PCP who is in network. This is often not the case with dentists. It can be very difficult to find a dentist who accepts a DHMO. Also, because of the way DHMO dentists bill, many patients report dissatisfaction and feeling rushed. If you definitely want a PPO and you are under 65, they can be very difficult to find the on marketplace. Of course, there are a few exceptions, but they are few and far between. If you are intent on a marketplace plan and need more flexibility, then EPOs are your best option. If you really need a PPO then private insurance will be easier to find. However, private insurance can be rather pricey. So, you may want to look into a short term medical plan. Short term medical plans can be a great way for a younger mostly healthy person to have a large range of benefits at a lower price. So the pros are: Lower premium Year round enrollment Nationwide PPO coverage Customizable However, short term medical plans are not ideal for all people and they are not even available in all states. They will not cover pregnancy and although some preexisitng conditions will be covered after the first year of a multi-year plan, if you have a more complex condition, it may not be covered at all. These types of plans are also not ideal for people with young children. PPOs may be available for Medicare Advantage plans as well. Medicare Advantage is a replacement for Original Medicare. A Medicare Advantage plan (even a PPO) will STILL not offer you the same freedom as Original Medicare with a Supplement, but they can be an alternative if you are looking for a broader range of benefits with a lower monthly premium. Most of our clients still opt for a Medigap plan, with good reason, and they are far more popular than Medicare Advantage Plans. Then there are EPOs. EPOs sort of split the difference between a PPO and HMO. They are much more common on the marketplace. Usually you will still need to stay in network (except in a medical emergency) however you will likely not need a PCP or referrals for specialists. Additionally, they are readily available on the marketplace. Finally, there are HMOs. HMOs are usually your least expensive option. However, you must operate within network. If you choose to go out of network, you will NOT be covered. The exception to this is in a true medical emergency. If you need immediate and urgent medical care at a hospital, under the ACA you cannot be charged more for the ER at an out of network facility vs. in network. Balance billing is a thing of the past. With HMOs you will also need a PCP. You will also need a referral to see a specialist. Often if you have insurance through your employer, you will have an HMO and PPO option. HMOs are also plentiful on the marketplace and of course, if you choose Medicare Advantage there are many HMOs to choose from. If you have any further questions, please feel free to contact us here at iHealthBrokers at 888-410-0344 or https://ihealthbrokers.com/ 👇SUBSCRIBE TO iHealthBroker's CHANNEL NOW👇 https://www.youtube.com/channel/UC5jc... ★☆★CHECK OUT OUR OTHER VIDEOS★☆★ How to Save Money on Health Insurance    • Save MONEY on HEALTH INSURANCE: YOU'R...   Short Term Medical Insurance    • BEST KEPT SECRET IN HEALTH INSURANCE!...   Healthcare Ministries    • Healthcare Ministries vs. Marketplace...   Direct Primary Care    • What is Direct Primary Care (Concierg...   Parts of Medicare    • Parts of Medicare Part 2   =================================== ★☆★CHECK US OUT ★☆★ WEBSITE: https://ihealthbrokers.com/ PHONE NUMBER: (888) 410-0344 F A C E B O O K:   / ihealthbrokers   =================================== Give us a call or leave a comment below and we'll do our best to help! Make sure to "Like" and "Subscribe" today!