• Yuliya Shekhtman ( @ys_insurance ) Instagram Profile

    @ys_insurance

    26 November, 2018
  • YS Insurance
  • You don’t want to be surprised by a bill because you didn’t know your doctor or hospital wasn’t in your network. What is an HMO? HMO is short for Health Maintenance Organization. Here’s the basics of an HMO: you MUST use network providers. This means your doctors, hospitals, and other health care providers must be in your network or you will pay out of pocket for all costs. There is one exception: emergency care. If you have an emergency your HMO plan must cover you at the same cost whether that hospital is in-network or out of your network. You will also have to choose a Primary Care Physician (PCP), typically all referrals to see a specialist come from your PCP. What is an EPO? EPO is short for Exclusive Provider Organization. EPOs are similar to HMOs, in that you must stay within your network (emergency care is an exception), however with an EPO you generally do not need to select a Primary Care Physician nor receive a referral to see a specialist. This type of plan gives you a little more freedom than an HMO plan. What is a PPO? PPO is short for Preferred Provider Organization. PPOs do not require you to choose a PCP nor stay within network, however if you choose to go outside of your network your cost-sharing will be higher and not as many benefits will be covered (emergency services exempted). Due to PPOs having a larger network, they usually have a higher monthly premium. These plans have the most freedom. #ys_insurance #homeinsurance #autoinsurance #condoinsurance #propertyinsurance #homeownersinsurance #healthinsurance #commercialinsurance #businessinsurance #workerscompensation #jewerlyinsurance #floodinsurance #earthquakeinsurance #vacanthomeinsurance #landlordinsurance #buildersrisk #rentersinsurance #beverlyhillsinsurance #northholywoodinsurance #losangelesinsurance #insuranceagent #travelersinsurance #medicalinsurance #vacationinsurance #healthinsurance #lifeinsurance #affortableinsurance #insurancebroker #insuranceagency #autoquote #umbrellainsurance call now: 323-410-7070 Follow @ys_insurance
    You don’t want to be surprised by a bill because you didn’t know your doctor or hospital wasn’t in your network.

What is an HMO?
HMO is short for Health Maintenance Organization. Here’s the basics of an HMO: you MUST use network providers. This means your doctors, hospitals, and other health care providers must be in your network or you will pay out of pocket for all costs. There is one exception: emergency care. If you have an emergency your HMO plan must cover you at the same cost whether that hospital is in-network or out of your network. 
You will also have to choose a Primary Care Physician (PCP), typically all referrals to see a specialist come from your PCP.

What is an EPO?
EPO is short for Exclusive Provider Organization.  EPOs are similar to HMOs, in that you must stay within your network (emergency care is an exception), however with an EPO you generally do not need to select a Primary Care Physician nor receive a referral to see a specialist. This type of plan gives you a little more freedom than an HMO plan. 
What is a PPO?
PPO is short for Preferred Provider Organization. PPOs do not require you to choose a PCP nor stay within network, however if you choose to go outside of your network your cost-sharing will be higher and not as many benefits will be covered (emergency services exempted). Due to PPOs having a larger network, they usually have a higher monthly premium. These plans have the most freedom.
#ys_insurance #homeinsurance #autoinsurance #condoinsurance #propertyinsurance  #homeownersinsurance #healthinsurance #commercialinsurance #businessinsurance #workerscompensation  #jewerlyinsurance #floodinsurance #earthquakeinsurance #vacanthomeinsurance #landlordinsurance #buildersrisk  #rentersinsurance #beverlyhillsinsurance #northholywoodinsurance #losangelesinsurance #insuranceagent #travelersinsurance #medicalinsurance #vacationinsurance  #healthinsurance #lifeinsurance #affortableinsurance #insurancebroker #insuranceagency #autoquote #umbrellainsurance 
call now: 323-410-7070
Follow @ys_insurance

    You don’t want to be surprised by a bill because you didn’t know your doctor or hospital wasn’t in your network.

    What is an HMO?
    HMO is short for Health Maintenance Organization. Here’s the basics of an HMO: you MUST use network providers. This means your doctors, hospitals, and other health care providers must be in your network or you will pay out of pocket for all costs. There is one exception: emergency care. If you have an emergency your HMO plan must cover you at the same cost whether that hospital is in-network or out of your network.
    You will also have to choose a Primary Care Physician (PCP), typically all referrals to see a specialist come from your PCP.

    What is an EPO?
    EPO is short for Exclusive Provider Organization. EPOs are similar to HMOs, in that you must stay within your network (emergency care is an exception), however with an EPO you generally do not need to select a Primary Care Physician nor receive a referral to see a specialist. This type of plan gives you a little more freedom than an HMO plan.
    What is a PPO?
    PPO is short for Preferred Provider Organization. PPOs do not require you to choose a PCP nor stay within network, however if you choose to go outside of your network your cost-sharing will be higher and not as many benefits will be covered (emergency services exempted). Due to PPOs having a larger network, they usually have a higher monthly premium. These plans have the most freedom.
    #ys_insurance #homeinsurance #autoinsurance #condoinsurance #propertyinsurance #homeownersinsurance #healthinsurance #commercialinsurance #businessinsurance #workerscompensation #jewerlyinsurance #floodinsurance #earthquakeinsurance #vacanthomeinsurance #landlordinsurance #buildersrisk #rentersinsurance #beverlyhillsinsurance #northholywoodinsurance #losangelesinsurance #insuranceagent #travelersinsurance #medicalinsurance #vacationinsurance #healthinsurance #lifeinsurance #affortableinsurance #insurancebroker #insuranceagency #autoquote #umbrellainsurance
    call now: 323-410-7070
    Follow @ys_insurance

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@agentgrowthspecialist Instagram Profile 27 November, 2018

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