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Types of Health Insurance

Insurance TypesWhen you're shopping for your own health coverage, you don't have to settle for whatever your employer thinks is best. You get the advantage of choosing the right plan for you.

And you have plenty of options.

Types Of Health Policies
There are several kinds of policies for you to choose from. Here are a few of the most popular.

Preferred Provider Organization (PPO) Plans are a popular choice for people who value flexibility. A form of managed care, PPOs give you the most savings when you get care from a doctor, hospital or other provider within the plan's "network". But even if you do choose to receive care from outside the network, your PPO still provides some coverage.

Health Maintenance Organization (HMO) Plans are also a type of managed care, and offer you even greater savings. The tradeoff is your choices are more restricted. To get coverage from your HMO policy, you must choose a "Primary Care Physician", and you must always get care from approved "in-network" providers. For most people, this is a small drawback compared to the affordability of HMOs - which often feature no deductible.

Point Of Service (POS) Plans combine managed care with traditional health coverage. Just like an HMO, you select a Primary Care Physician to see for routine care. But when you need to see a specialist - or get a second opinion - you're free to see any doctor you choose.

Fee For Service (FFS) Plans aren't as popular as they once were. These plans are modeled after traditional "indemnity" insurance. In an FFS plan you pay for your care up front, and are reimbursed by your insurance company after you file a claim.

Not sure which choice is best for you? Let us help. We'll answer your questions and point you toward the right plan for you. Start comparing plans now with our free online quotes.

Insurance 101 Library

Download helpful articles on various Health and Life Insurance topics by clicking on the titles below:

What is Health Insurance
Health insurance is one type of insurance you’re pretty much guaranteed to use. We all need medical attention from time to time, and some of us need it quite frequently When care is needed, you want to focus on getting better not on how you’re going to come up with the money to pay your medical bills. A good health insurance plan allows you to focus on what’s most important, your physical well‐being.
(PDF; 138K)

What is Term Life Insurance
As the name implies, term insurance provides protection for a specific period of time and generally pays a benefit only if you die during the "term." Term periods typically range from one year to 30 years, with 20 years being the most common term. One of the biggest advantages of term insurance is its lower initial cost in comparison to permanent insurance.
(PDF; 131K)

Who Needs Life Insurance?
If someone will suffer financially when you die, chances are you need life insurance. Life insurance provides cash to your family after your death. This cash (known as the death benefit) replaces your income and can help your family meet many important financial needs. (PDF; 127K)

How Much Life Insurance Do I Need?
Life insurance provides cash to your family after your death. This cash (known as the death benefit) replaces your income and can help your family meet many important financial needs like funeral costs, daily living expenses and college funding.
(PDF; 125K)

Second to Die Rider
An exciting concept in the area of life insurance products for estate planning needs is the Second to Die rider offered by a number of carriers. It is a concept that is simple by nature, yet provides tremendous planning capabilities. The Second to Die rider is generally attached to a permanent life insurance policy.
(PDF; 112K)

Survivorship Life Provisions
Financial advisors are often asked to prepare analyses or make recommendations concerning life insurance as an estate conservation tool. In many cases, the client’s team of advisors including a tax attorney, accountant and insurance agent will recommend the use of a "survivorship life" or "second to die" contract. (PDF; 142K)