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· What is an (HMO) Health Maintenance Organization ?
An HMO is a medical group that is selected by you to provide your medical care. You select a Primary Care Physician (PCP) who directs all of your medical care. You pay a small co-payment for each visit to the doctor.
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· What is a (PPO) Preferred Provider Organization ?
Preferred Providers are doctors, hospitals and laboratories that have contracted with the insurance company to provide care.
You have the option of going to see any physician. You will pay a co-payment, a deductible and a percentage of the cost of the negotiated rate.
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· What is a (POS) Point of Service ?
Available to employer groups in some plans. You may use the HMO or the PPO providers in the plan.
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· What is a Primary Care Physician ?
The doctor in the HMO plan who will direct your medical care. Your PCP will refer you to specialists, for tests and hospitalizations.
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· What are the different types of medical plans?
We offer a choice of medical plans: HMO, PPO, POS and catastrophic or basic plans.
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· What are the different kinds of dental insurance?
Indemnity, PPO, DMO and even orthodontia plans are available to you as an individual or group.
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· What is a Preferred Provider ?
A doctor, hospital, laboratory or other facility, which has contracted with the insurance company to provide medical care.
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· Why do I need medical insurance?
If you do not have insurance through his employer either because you work part-time, or for a small business, or are self-employed, you should explore individual medical insurance. Premiums are very affordable, much more so than an uninsured hospital stay.
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· What is a Co-payment ?
A set amount of money that you pay for each office visit.
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· Why should I choose The Resource Group?
• The Resource Group will help you determine which plan is right for you and will translate the insurance-eze into English.
• Our service is FREE to you. Your premium would be the same if you called the company directly, so why not take advantage of our expertise.
• We remain available to you to help you with any problems you may have with your policy and assist you with your claims.
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· What is a Deductible ?
A set amount of money, which you must pay, before the insurance will pay.
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· What is a Negotiated Rate ?
The amount of money that the provider has agreed to accept from the insurance company.
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· What are Short Term and Interim Coverage ?
If you have a short period between jobs and need insurance for a month to a year, this could be for you. This is a great alternative to COBRA, because premiums are often lower and yet, you will still have coverage "just in case".
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