Types of health insurance
When comparing health insurance plans, 了解健康pp王者电子官网类型之间的差异可以帮助你选择最适合你的计划.
Health insurance 难道不是一刀切，而选项的数量反映了这一点吗. 有几种类型的健康pp王者电子官网计划可供选择, 而且每种方法都有相关的成本和对提供者和访问量的限制. But how do you narrow down what's best for you?
Five types of health insurance plans
There are five main types of health insurance plans. 它们的区别主要在于你可以看的医生和所涵盖的医疗服务类型. The health insurance types are:
1. Health Maintenance Organization (HMO)
hmo通常将覆盖范围限制在一个特定的医生网络中，在那里你与初级保健医生(PCP)建立了关系。. To see a specialist, 通常需要您的PCP提供转诊信息，以便将费用包含在计划中. 网外紧急情况由网络费用支付, 但其他网络外的医疗费用由你负责.
2. Preferred Provider Organization (PPO)
PPO是一种健康计划，如果你使用该计划网络中的供应商，你支付的费用更少，而且不需要转诊去看专家. You can use doctors, 网络外的医院和供应商无需转诊，需支付额外费用.
3. Exclusive Provider Organization (EPO)
Similar to an HMO, 网外服务需全额付费(紧急情况除外), 但你可能有更多的网络内选择，不需要专家推荐.
4. Point of Service (POS)
With a POS plan you pay less if you use doctors, 属于该计划网络的医院和其他医疗保健提供者. POS计划要求你从你的初级保健医生那里获得转诊，以便去看专科医生.
5. High Deductible Health Plans (HDHP)
与传统pp王者电子官网计划相比，HDHP的免赔额更高，每年的自付费用也更高. HDHPs can be combined with a Health Savings Account (HSA)，允许你用免税的钱支付某些医疗费用.
What services are covered?
无论你选择哪种pp王者电子官网计划，所有的pp王者电子官网计划都必须包括10项基本的健康福利:
- Outpatient care
- Emergency services
- Hospitalization
- Pregnancy and newborn care
- Mental health and substance abuse services
- Prescription drugs
- Rehabilitative services
- Lab services
- Preventive care
- Pediatric care
How much of the cost is covered?
pp王者电子官网公司和被pp王者电子官网人之间的财务责任比例不同，从而区分每一组. The categories are:
- Bronze: Insurance pays 60%; you pay 40%.
- Silver: Insurance pays 70%; you pay 30%.
- Gold: Insurance pays 80%; you pay 20%.
- Platinum: Insurance pays 90%; you pay 10%.
- Catastrophic: 在你达到高免赔额后，pp王者电子官网支付100%. You must be under age 30 to enroll.
pp王者电子官网公司支付的医疗费用越多，每月的pp王者电子官网费就越高. 如果不需要支付很多医疗费用，有些人会选择青铜险或灾难性险. For those who frequently visit the doctor, 预见重大医疗事件或需要大量药物, a category such as Silver, Gold or Platinum may be a better fit.
How to get health insurance
许多主要医疗计划的开放注册通常是在11月到12月. 如果你有一个符合条件的生活事件(如结婚或搬家), 您可以在指定的注册期之外进行调整.
如果你的健康pp王者电子官网不是由雇主支付的, 你可以通过市场获得pp王者电子官网. To get ahead of the game, 检查您当前的医疗保健计划，回顾您的pp王者电子官网范围并了解您的计划. And, check out www.healthcare.gov for more specific healthcare plan information.
了解State Farm®如何帮助您 health insurance needs, contact your agent today.
