If you are looking for Fort Lauderdale health insurance, a great place to start is online. Having multiple quotes to compare is the best way to make an informed decision about what type of policy is right for you. Also, there is no salesperson steering you towards a costly policy that may not be what you needed in the first place. Health insurance can be confusing. Understanding the different policy types and how they will affect the cost of your health care coverage is essential.
If your Fort Lauderdale health insurance policy is an HMO policy, you will be asked to choose and in-network, primary care physician. This is the doctor you will see for any regular doctor visits and he or she will refer you to any specialists or other in-network physicians you may need to see. Services rendered by out of network physicians are not always covered under this type of policy. Generally, only in emergencies are out-of-network services covered.
Under the terms of a PPO policy, the policy holder is given more control over the choice of physician. You can choose any doctor you like, whether they be in-network or not. If you choose to see an in-network physician, you are entitled to the contracted rate for these services. These discounts can be quite substantial.
A Health Savings Account is a high deductible insurance policy. A savings account is opened and funded, generally by your employer. Throughout the year, you may use the money in the account to pay for doctor visits, prescriptions, and things like eye glasses. HSA's work best for those who need to be covered in the event of serious injury or illness but do not require extensive day to day health care.
A Point of Service Plan is self explanatory. An Individual pays the premium and the policy will cover a stated number and type of health care services. Costs for any services that are not covered under the premium will be your responsibility. Having a clear picture of what these policies cover from a financial point of view should help you in your search for Fort Lauderdale health insurance.