Out-of-pocket Maximums
There are many different types of health insurance plans in the marketplace. It is our job to make the process as simple and efficient as possible. Let's explore a little bit more about health insurance.
Out-of-pocket maximum is the maximum amount you will pay for health care in a calendar year.
What Types of Plans Have Out-of-pocket Maximums?
All health insurance plans have maximums. It is very important when choosing your health insurance plan that you look at the maximum amounts so you can protect yourself from paying too much for health care services. Below are some plans that have out-of-pocket maximums.
- HMOs (Health Maintenance Organization). These types of plans are one of the most affordable in the marketplace. This is primarily because of the managed network structure that is in place. Individuals who have this type of coverage have to designate a primary care physician , which will be the starting point for all medical services that might be needed through out the year.
- PPOs (Preferred Provider Organization). This is also another affordable individual health insurance plan that gives people access to all health care providers within the network. Additionally, you can also go out of network and most plans will cover you for care as well. This type of health insurance is flexible and affordable.
- HSAs (Health Savings Account). The HSA is primarily used for tax-free strategies so individuals can save some extra money during tax time. Also, HSAs have high-deductible plans which are primarily used as "just-in-case" insurance, or catastrophic coverage for those unfortunate emergency events.
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