Find A Doctor
Are You Looking for a doctor
who is in your health insurance plan?
Most health insurance companies have web
sites to help you to find a primary-care physician or specialist
in your area. If there isn’t a web site, just call your insurer’s
customer service department for assistance.
Looking for health insurance?
At
InsureMe, we match you with several insurance agents who then
provide you with free customized insurance quotes. By shopping
around, you can find the plan that fits both your lifestyle and your
budget.
Looking for a health insurance plan that allows for greater
freedom to chose a doctor?
As far as managed care plans go (the most common type of health
insurance), the flexibility of your plan depends on whether you’ve
chosen an HMO, PPO or PSO. Here’s a quick rundown:
- Preferred Provider Organization (the
most flexible): The main concept behind a PPO is the
network. If you utilize this type of health insurance, you may
choose any health care provider from within your network,
determined by your policy, or any non-network health care
provider. You usually are required to make a co-payment or pay
co-insurance. Staying in-network saves you a bundle with PPO!
- Health Maintenance Organization
(the least flexible): Like the PPO, the HMO requires you to
make a co-payment to an in-network physician. However,
the HMO will not pay for services you receive outside the
network. In order to obtain specialty care, you must attain a
referral to a specialist from your primary-care physician.
- Point of Service (a hybrid): This
health insurance plan is similar to the HMO. However, when you
need care, you can go out of network. But the POS will
reimburse you only 50 to 80 percent and you also may be required
to pay co-insurance and a deductible.
Finding health insurance can be a hassle and somewhat confusing;
InsureMe is here to help. Our resource center is full of articles to
answer all your insurance-related questions.
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