Choosing the Right California Health Insurance Plan
There are different kinds of health insurance options to consider when you are looking for a new insurance policy. PPO (Preferred Provider Organization) plans are one option, and there are also HMO plans to consider, as well as health savings accounts. The type of plan you choose will depend on your immediate needs. In order to make an informed decision, read details about individual package offerings, which will provide you with an overview of different plans’ benefits and premiums.
Basic California Health Insurance Plan Options
PPO health insurance plans do not require you to choose a primary doctor, and make it easy for you to use any medical professionals within a large network of service providers. HMO plans have lower premiums, although this is at the expense of the extra flexibility provided by PPO plans. A health savings account, such as those offered by Lumenos, provides an account which you make contributions to monthly, so that you may use accumulated funds to pay for medical expenses. If you retire or leave your company, you get to keep leftover funds.