Frequently Asked Questions

---

A deductible is the amount you pay for covered healthcare services before your insurance starts covering costs. For instance, with a $1,000 deductible, you pay the first $1,000 of expenses. An out-of-pocket maximum, on the other hand, is the most you'll pay for covered services in a plan year, including deductibles, copayments, and coinsurance. Once you reach this limit, your insurance covers 100% of essential health benefits. It helps protect you from high healthcare costs.

Choosing the right health insurance plan involves assessing your family's healthcare requirements, considering your financial situation, and comparing plan options. Start by evaluating your current health needs, anticipated medical expenses, and monthly budget. You can then explore different plan types, such as Health Maintenance Organizations (HMOs) or Preferred Provider Organizations (PPOs), to find one that aligns with your family's healthcare needs and budget. 

Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs) are two common types of health insurance plans. HMOs typically require you to choose a primary care physician (PCP) and obtain referrals to see specialists. PPOs, on the other hand, offer greater flexibility with the option to see specialists without referrals and access to a broader network of healthcare providers. Your choice should depend on your preference for provider flexibility and cost considerations. 

If you're relocating to a new state, explore health insurance options suitable for your new location. Enrolling in a Preferred Provider Organization (PPO) plan can provide flexibility in accessing healthcare services in your new area. Moving is considered a qualifying life event, allowing you to make adjustments to your coverage outside the standard enrollment period. Research regional plans and select one that aligns with your healthcare needs.