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(e) Travel insurance

(f) Major medical insurance
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If you are looking for an individual health insurance plan, you will undoubtedly encounter both Health Maintenance Agencies (HMOs) and Preferred Provider Organizations (PPOs).  

Both HMOs and PPOs are categories of "managed care" insurance.   Managed care plans are structured around concept of a network, which refers to a group of doctors, hospitals, and some other healthcare providers.  

Now that this definitions are out of the way, let's look at that differences between an HMO together with PPO.

Health Maintenance Organizations (HMOs)

HMOs are generally offer good care at a low cost.

Under a great HMO plan, healthcare is provided by doctors who are members of the HMO network.   From a coverage standpoint, the defining feature of an HMO is the technique of a primary care physician.   This doctor is the primary point of contact for any medical needs, and is required to provide a referral in advance of patients seeing a specialized.   While this referral system is place to more effectively manage costs, limits your flexibility to see a specialist directly.

From a cost perspective, HMOs are usually more affordable relative to PPOs.   They often carry a very small deductible, if any at all.   A low deductible can meaningfully get rid of your medical costs in a scenario where you may need significant medical care.   HMOs will typically have a small co-payment for both doctor visits and prescribed drugs.

Desired Provider Organizations (PPOs)

PPOs are generally offer greater flexibility in terms of patient care, but have a higher cost when compared with HMOs.

You may have a general physician under a PPO plan, but the plan does not require a referral prior seeking the interest of a specialist.   In addition, PPOs provide some insurance policy coverage for out-of-network doctor visits, which are not covered whatsoever in an HMO plan.

The increased range of options associated with a PPO leads these plans to be somewhat more expensive in accordance with HMOs.   These higher costs come in the form of higher deductibles, as properly as higher co-payments.  

In a nutshell  

When looking for individual health insurance, both HMOs and PPOs are generally good coverage alternatives.   To minimize costs, go with an HMO.   To maximize choices, sign up to get a PPO.
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Did you know that major lifestyle changes can have a significant influence on your individual medical insurance? You will need to examine your policy coverage, if there are changes for a lifestyle and these could impact the quantity of premium that you pay each year. Here is a list of events that could possess a major impact on your lifestyle.

• Marriage or divorce


• Birth of a baby


• Turning jobs


• A leading change in your income level


• Retirement



These events have the potential to brew a dent in your cost savings. If you do don’t you have a safety net by means of individual medical insurance to address any medical emergencies quite possibly your meager savings will be lost. Most government medical insurance plans do not cover dental and you would be required to take a separate cover for this reason. Most dental cover contribute towards 70% of costs for the following:
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