Managed care is certainly the most common type of health care that is available today. It uses a network of providers who have contracted to provide services at a predetermined price. This makes it easier for both providers and for patients. You know ahead of time what things will cost. At R&R Insurance Group LLC in Quakertown, PA, we are here to help our customers to make the right decision about their health insurance. As independent insurance agents, we can provide more options and we offer a variety of different companies and products. 

Types of Managed Care

HMO

The initials HMO stand for Health Maintenance Organization and this type of managed care is the one that most people have. It is usually the least expensive, which may explain why it is popular, even though it is the most restrictive. An HMO requires that you choose a primary care physician from within the network. You need to check before you pick your health insurance that your primary care doctor is in the network. You need them to refer you to any specialist you may need to visit. 

PPO

If you like having more control over your health care, a Preferred Provider Organization is the better option for you. With this type of plan, you don’t need to have a primary care physician managing your medical care. You won’t need a referral to see a specialist but you will get the best rate for staying within the network. But if you want, you can go outside the network. 

POS

Point of Service managed care is a combination of both HMO and PPO. You can go outside the network but you need a primary care physician and referrals to visit a specialist. 

Contact R&R Insurance Group LLC in Quakertown, PA when you are ready to discuss your health insurance. 

Health insurance is one of the most important decisions you make every year and probably the one that is the most confusing. So many terms that you may or may not completely understand.  Abbreviations that might as well be a foreign language are enough to make you throw up your hands in frustration. At R&R Insurance Group LLC in Quakertown, PA, we are here to take the stress out of choosing health insurance. We are an independently owned agency that works with 14 top-notch carriers to provide our customers with choices. 

Network

The network is the providers who have contracted with the carrier you have chosen to provide services for their customers at a negotiated price. Every plan has a network. What you need to determine is whether your preferred provider is in the network for the plan you want to purchase. 

Deductible

The deductible is the amount you will have to pay out of pocket before services will begin to be paid for. The higher the deductible, the more reasonably priced the plan will be. Keep in mind this also means you will pay more out of pocket and could possibly not get anything paid for the entire year. 

HMO

The initials stand for Health Maintenance Organization. This is a type of managed care where health care services are provided through a network. Healthcare outside the network is usually not covered unless it is an extreme emergency situation. 

POS

POS stands for Point of Service. It is a managed healthcare plan that has a network of providers. You will receive the best rates from the providers in the network, but you will have some coverage for providers outside the network. 

When you are ready to choose your health insurance plan for the year, contact R&R Insurance Group LLC in Quakertown, PA at our office or on the telephone.