Health insurance covers the cost of medical and surgical expenses. Depending on the health insurance coverage you have, you may have to pay the costs out-of-pocket and be reimbursed, or you will make payments directly to the provider.
The "one-size-fits-all" mentality does NOT work here. Just because your neighbor has a plan they love, it doesn't mean it is the right plan for YOU. Everyone has differences and unique needs. It's important to review plans to ensure you pick the right one to fit yours.
Individual & Family Health Plans -
Sherri Kelley Insurance Advisor can help you find the best plan for your needs. Health plans commonly include HMOs, PPOs, and EPO plans.
HMOs are Health Management Organizations. With these plans, you have a primary care doctor and see providers that are in-network. If the health service is not in-network, you pay the full cost. You also need a referral to see a specialist. Network doesn’t matter for emergency care, out-of-area urgent care, or out-of-area dialysis. PPOs are Preferred Provider Organizations. These plans do not require a primary care doctor or referrals to see specialists, but out-of-network providers will be more costly.
EPO plans are Exclusive Provider Organizations. These are managed care plans that are similar to both HMO and PPOs. With an EPO plan, you do not need a referral to see a specialist, but you can only receive coverage for out-of-network services if it is an emergency. For some EPO plans, a primary care provider may or may not be required.
Direct Primary Care - Healthcare Reimagined
Healthcare A Better Way
That's our mission
Say goodbye to expensive plans, high out-of-pocket costs, lack of care coordination, and limited access to doctors and say hello to Align Health. We bring a new kind of healthcare solution to the market that puts our members in the driver’s seat.
The Marketplace doesn't quite fit your needs? From Individuals and Families, to Businesses and Trade Groups & Associations; Align Health could be the peace of mind you are looking for.