Health Insurance

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Your health is a top priority. If you don’t have a reliable health insurance policy, the costs of healthcare will be simply too high for you. At Great Medical Solutions our mission is to make health coverage accessible to every American family. With over 40+ of the top insurance companies and hundreds of plans to choose from, there is a plan for every situation. With a licensed health insurance broker on your side, you will find quality coverage for everything your family needs at an affordable premium.

If you don’t currently have health insurance, you need it. Everything you need to know about health insurance from Great Medical Solutions can be found below.

Health insurance basics

When you have health insurance you share the cost of your healthcare with your insurance provider. This will continue until a certain point when you hit your out-of-pocket limit. Once you hit this limit, health insurance will pay 100% of your health care costs.
The features of your plan are your deductible, your copayment, your coinsurance, and your out-of-pocket limit. Click any of the links to learn more about each of these features and what they mean.

Two Types of Health Insurance

HMO: Health Maintenance Organization

You will need to choose a primary care physician(PCP) that is in-network for an HMO plan. Your PCP will arrange your care, and if you need to see a specialist you will need to receive a referral from them. This type of plan is perfect if you have a family physician that you trust and you do not plan to travel regularly. One drawback of HMOs is they do not cover any out-of-network healthcare costs.
Typically, an HMO plan will have cheaper premiums than other types of private health insurance plans.

PPO: Preferred Provider Organization

Alternatively, a PPO plan will allow you to receive care from outside the plan’s network and you will have access to a wider network of providers. The main advantage of this type of plan is you will be able to visit a physician nearly anywhere in the country. You will have the option to see an in-network doctor, who can provide care at a lower cost, or if necessary, you can see an out-of-network doctor at a higher cost. You do not need a referral to see a specialist, though you may still choose a primary care physician (PCP) (some states, like California, may require that you have a PCP).
PPO plans typically have more expensive premiums than other types of private health insurance plans.

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Give us a call today and let us provide you with a professional and ideal health insurance service at the best price.