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You’re not quite ready for Medicare, but you still need health coverage. Our team at American Trustee Financial Services can help you evaluate the plan choices that work best for you.
Fee-for-services plans are the least restrictive plans when it comes to seeing healthcare providers. These plans often do not use a network of providers. Instead, you show your insurance card at each visit and you can see any provider that agrees to the plan’s payment terms.
Health maintenance organizations (HMOs) are a great low-cost option. These plans negotiate with a network of healthcare providers to bring you low costs for the coverage you need. When you choose an HMO plan, you will often have to select a primary care provider from within the plan’s network and will need a referral to see a specialist. If you want to see an out-of-network provider, you may have to pay the full cost for those services.
Preferred provider organizations (PPOs) offer more flexibility to see the providers you would like to see. PPO plans have a network of healthcare providers, but do not require you to choose a primary care physician and you do not have to get a referral to see a specialist. You can see providers outside of the plan’s network, but can expect to pay more for those services.
Find health insurance plans that align with ACA regulations by visiting your state or federal health insurance marketplace. If you are under 65 and have a smaller budget, you can look into marketplace alternative or non-ACA plans, which bring you more specific coverage plans and have more flexible enrollment periods.
When comparing and evaluating plans, consider your anticipated healthcare needs. Once you have an idea of the coverage that works best for your situation, you can compare the costs of available plans in your area.
American Trustee Financial Services will work with you to identify the plan that best meets your needs. Book an appointment today to speak with one of our agents.
American Trustee Financial Services connects people with individual, family, and group health insurance plans. Plans that give you peace of mind to go about your daily life. See if you might be overpaying for health insurance today by scheduling an appointment with a trusted agent.
American Trustee Financial Services can help you invest in the health of your employees with group medical insurance. Book an appointment today to go over your options.