What are the best plans for a single moms guide to health insurance? Having trouble deciphering all the lingo? You barely have time for a shower – no reason to waste a single second translating jargon in order to understand what you’re being offered! Good news! I did it for you.
If you’re having a hard time picking a single moms health insurance plan, the best way to speed up the process is to know the difference between each one.
Health plans fall into either of these categories – some share characteristics of both.
Rule of thumb: The more managed your health care is, the cheaper. The more independence you have in choosing your doctors and services, the more expensive the plan will be.
If saving money, skipping the extra math and not having to keep track of receipts and claim forms is a priority over getting to pick a particular doctor – this may just be the plan for you.
A blend of managed care and fee-for-service. If you can’t handle the restrictions of an HMO and can afford a little more out-of-pocket expense then you may consider this plan a better choice.
POS is not exactly a plan of its own, but more of an option among HMO plans. It’s a bit of the best of both worlds, allowing you the savings and ease of an HMO with more flexible options like a PPO.
Major medical lets you see any licensed health care professional for anything covered by the insurance.
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