You have different options when you are shopping for health insurance in Little Falls, MN. An agent at Hanneken Insurance Agency Inc. can help explain your choices.
Health Maintenance Organization
An HMO will give you all your health services through a network of healthcare providers. You have the least amount of freedom to pick your providers but the least amount of paperwork to complete. You get a primary care doctor that manages care and then you get referred to a specialist when you need one.
Preferred Provider Organization
With a PPO, you have more options to choose your healthcare providers and you don’t need a referral in order to see a specialist. There will be higher out-of-pocket costs in Little Falls, MN if you see a doctor that is out of your network. There is more paperwork than other plans, especially if you see a doctor, not in your network.
Exclusive Provider Organization
With an EPO, you have a moderate amount of freedom for choosing your healthcare provider and you don’t need a referral to see a specialist. Unlike a PPO, you don’t get any coverage for an out-of-network provider and you have to pay for the full cost yourself.
Point of Service Plans
A POS blends features of a PPO and HMO. You have the freedom to choose your healthcare provider and a moderate amount of paperwork. Like an HMO, there is a primary care doctor to help coordinate your care and refer you to a specialist.
If you are under the age of 30, you can get a catastrophic health plan. With this plan, you get three primary care visits before a deductible and free preventive care, even if you haven’t met the deductible. There is also a lower premium.
Contact Hanneken Insurance Agency Inc. to get a quote on health insurance.