DHMO, PPO, and EPO and your Doctor Options

March 31st marks the deadline for enrolling in health insurance under the Affordable Care Act.

However, many people do not know the difference between a Health Maintenance Organization (HMO), Exclusive Provider Network (EPO), Preferred Provider Organization (PPO) or Point-of-Service (POS) plan.

Knowing which of these would best suit you depends on a number of factors, including your budget, frequency of medical care and other circumstances.

There are several key ways in which each of these plan types differ, including whether or not you need a referral to see a specialist or obtain other medical services; you must have a primary care physician; the health plan will cover care outside its provider network; you must have pre-authorization for health care services; you have to file claims; and the amount of cost-sharing you are responsible for paying.

Before making a choice, consult with a health insurance agent and your doctor. Each will offer you pointers to help you choose wisely.

If you live in the Culver City, Calif. area and would like help exploring your health insurance options, contact ISU Wissink Insurance today.