Why Choose PPO Health Insurance
PPO Health Insurance Atlanta GA
PPO health insurance gets a bad rap. Some critics of individual PPO plans claim they are too expensive for the average Georgian citizen. However, you need to look at the big picture. If you want the maximum amount of health insurance benefits and more freedom with your health insurance plan, then a PPO health insurance policy is what you should be after.
Besides, you can find an affordable PPO health insurance plan if you simply consult with a health insurance advisor. They are connected to a network of private individual PPO plans offered by various insurers throughout Georgia. Once you consult with the health insurance advisor about your specific healthcare needs, they will find you the most affordable PPO health insurance plan available.
Let’s go over the 3 main benefits of individual PPO plans so that you can see why they’re worth choosing.
1) In-Network and Out-of-Network Coverage
It is always preferable for you to use an in-network healthcare provider. That is where you will receive the most coverage that your PPO plan can offer. But if circumstances force you to use an out-of-network provider, then your PPO plan will offer you some coverage for the visit.
2) No Primary Care Physician Needed
HMO health insurance plans force you to choose a primary care physician for all your basic healthcare needs. All your physical exams, check-ups, and standard medications are all handled through your one primary care physician. If they are not available, then you must wait until they are.
PPO health insurance plans don’t put you in this awkward situation because you’re not required to choose a primary care physician. You can go to any doctor that you want within your network or even out of your network.
3) No Referrals Needed
General healthcare physicians are not specialists. If you need to visit a dermatologist, psychologist, or some other specialist in a particular field of health, then you would need to get a referral from your primary care physician if you have an HMO plan. But if you have a PPO plan, then you don’t need to get a referral to see a specialist. This will save you money by not having to visit your primary care physician just so you can have permission to see a specialist.
The only disadvantage of PPO health insurance is the slightly higher monthly premiums. But with all the benefits and freedoms you get with the PPO plan, it is definitely worth it. Contact Health Insurance Advisor today to learn more about PPO health insurance and why it can work for you.