Buying Health Insurance For Dummies -

: Usually limits coverage to care from doctors who work for or with the HMO. You typically need a referral from a primary doctor to see a specialist.

: Higher premiums, but lower costs when you get care. Best if you have ongoing medical needs. 3. Networks: HMO vs. PPO buying health insurance for dummies

: The fixed amount you pay every month to keep your insurance active, even if you don't go to the doctor. : Usually limits coverage to care from doctors

: Check Medicaid or Medicare if you meet specific income or age requirements. Best if you have ongoing medical needs

: Moderate premiums and moderate costs. These often qualify for extra savings (subsidies) if you have a lower income.

: You pay less if you use providers in the network, but you have the flexibility to see out-of-network doctors for a higher cost. No referrals are usually needed. 4. How to Sign Up

Insurance companies have "networks" of doctors they’ve negotiated cheaper rates with.