There are several types of general health insurance options. These vary primarily based upon which healthcare providers are covered in your plan, what type of procedures are covered, and what types of fees you will pay for care out of pocket. Common types of plans include:

Health Maintenance Organization (HMO): With this type of health insurance plan, you are covered when you visit doctors and other providers within a certain healthcare network, usually close to the area where you reside. HMO plans commonly cover most preventive care and general wellness healthcare.
Preferred Provider Organization (PPO): A PPO plan gives you more freedom to visit healthcare providers outside of your PPO network, while usually still providing some level of coverage. While you are rewarded with better coverage within your network, this plan is great to consider if you do not want to be restricted to certain areas or providers.
Point of Service (POS): With this type of plan, again you receive more coverage when you see providers within a certain network. With a POS plan, keep in mind that you generally have to see your primary care provider before you can be referred to – and covered for – specialist visits.

In addition to choosing a company and type of healthcare plan, you may have the option to choose among levels of plans. A PPO health insurance policy with one insurance company may have a wildly different premium, copay and deductible than a PPO in the same area with a different company. At DFW Direct Insurance, we will narrow down types and levels of plans that meet your needs so that you can make an informed decision.

We are confident that we can find you a health insurance plan in Irving, Plano, Lewisville or Forth Worth that works for your family. Our certified agents truly care about helping you and your family live happy, healthy, financially stable lives. Contact us today for a complimentary quote.