Looking for a health insurance may be overwhelming and confusing with the vast choices of providers offering cheap personal or family health policies in the market. Here at Insure Mart USA, we want to make your journey towards the best healthcare plan for you easy. So, let us get started on the basics.

HMO, PPO EPO, POS: These are healthcare acronyms you may have heard before and you may have wondered what do these even mean?

These are actually the general types of health insurance coverage offered by USA Health Insurance Providers. Below is a quick overview of what these are to help you take your first step on getting your health protection.

HMO: Health Maintenance Organization HMO involves identifying a Primary Health Care Physician (PCP) which would look after your general health concerns or needs. Referral of the PCP will be required in case you need to go to specialists.

PPO: Preferred Provider Organization PPO provides you a more flexible option of choosing the doctors and hospitals which you would prefer to visit or consult with. Coverage for services sought outside the network is limited.

EPO: Exclusive Provider Organization EPO provides you with a network of doctors and hospitals available in your local area where you could choose from. In case you choose to seek services outside this network, the plan may not be applicable

POS: Point of Service Plan POS also involves identifying a PCP. Access of care from outside the network of health care providers and facilities may be possible. However, your coverage would be better if availed in network. Also, referral from PCP may be required in case you’ll consult with specialists.

Bonus! This one’s actually not an acronym but we think you should also know about: Short-Term Plans In case you missed the open enrollment season or you are currently ongoing a transition in your health plan, this type could provide temporary coverage for you. Keep in mind that Short Term Health insurance are not ACA health plans so make sure to check what is included in your package. Also, duration or length of coverage varies per state so you could inquire to our trusted agents about it.

If you have more questions before enrollment or purchasing your individual or family health insurable, check out Insure Mart USA FAQ or send us an Inquiry!

Whether you really want to dig in the specifics or better yet, ready to sign-up for your insurance plan, make sure to Dial Insure Mart USA Today at (833) 355-0532.