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HMO, PPO, and EPO. What Do They Mean?

October 12, 2018 By Flor Caballero Lynch

health-2082630_960_720You’re most likely looking at these acronyms thinking, “What.”, and wondering what do they all mean? Well, each of these acronyms are different types of health insurance plans that have different features, and it’s up to you to decide which one best suits you!

HMO stands for Health Maintenance Organization, and these types of plans usually have cheaper monthly premiums and lower cost-sharing than other types of plans, but this comes at a disadvantage since you must get primary care provider referrals to see a specialist (Known as PCP referrals) which means you have to get a referral from your regular doctor to see a specialist, and these plans usually won’t pay if you go outside their network of preferred doctors.

PPO stands for Preferred Provider Organization and are called this because they have a network of doctors that they “prefer” you to use— but you can still go to a doctor that is outside their network if you want. Due to this freedom in your choice of doctor, you will face a higher premium than an HMO or EPO in comparison, but some find this preferable to the other plans. A lot of times you would get this type of coverage through an employer, but it is possible to get it as an individual as well!

EPO stands for Exclusive Provider Organization, and these are somewhat of a hybrid of an HMO and a PPO. With an EPO you have to stay within an “exclusive” list of doctors to use, and if you use an out-of-network doctor you won’t be covered at all. But there is an upside to this type of plan, as you do not have to see a primary care physician to go to a specialist (But the specialist has to be in-network!), and you do save money in comparison to a PPO.

family-2073604_960_720When making your decision, just decide what you think is best for you and your family, and which features are most important to you—just take your pick!

Filed Under: Health Insurance, Insurance Tagged With: epo, health, health insurance, hmo, insurance, insurance coverage, open enrollment, ppo

What Will You Need When Applying for Health Insurance

October 5, 2018 By Flor Caballero Lynch

If you want to make the process of getting health insurance easier for you, then look no further! In this weekly installment I will give you a rundown on what information you should bring, this way you’ll save time and you won’t hate the process as much as other folks have in the past!

calendar-660670_960_720With Open Enrollment just around the corner on November 1st (Ends on December 15th!), it is important to get everything you will need ready so you can make it a quick and painless process. You will need the typical information such as your name, address, social security number, and birthdate— but you’ll also need all that information for anyone that will have coverage under your plan as well!

You’ll also have to bring employer and income information for everyone in your household— so W-2 forms and pay stubs would be good examples of what to have. You will also need to estimate the amount of income you anticipate for 2019 as well,  and you can use your pay statements and W-2s to figure this information out, kill two birds with one stone! obama-1301891_960_720

Another piece of information will need to bring would be your current health plan for you and any other plans that apply to anyone you are going to provide coverage for. So round up all of this information, put it into a manila folder, and show it to your insurance agent so you can get in and out quicker than you can say “Health Insurance”! (In reality it won’t be that quick, but you know what I mean!)

Filed Under: Health Insurance, Insurance Tagged With: epo, health, health insurance, hmo, insurance, open enrollment, ppo

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4420 N. Mesa St
El Paso, TX 79902

(915) 996-9799
FAX: 1-866-514-3064

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www.florinsurance.com

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