These days, when you choose your health insurance, chances are it will be a form of managed care. Managed care is the most popular type of health insurance these days, and understanding the different types of managed care is vital to making an educated choice. At W.B. Adams Company in Beaverton, OR, we can provide the information you need to make the correct decision.
Before understanding the types of managed care, it is important to understand how provider networks, drug formulary, and deductibles affect all types of health insurance.
The Health Maintenance Organization is the original type of managed care that resulted from the Health Maintenance Organization Act of 1973. It opened the door to a whole new wave of healthcare insurance. With an HMO, you must have a primary care doctor who manages your care. Our primary care doctor must be in the network, and if you need to go to a specialist, they will need to give you the necessary referral. Visits outside the network are not covered except in an extreme emergency. An HMO is the most restrictive type of managed care but also the most affordable.
A Preferred Provider Organization is a much more flexible option. You will have a primary care physician, but you will not need them to refer you to a specialist, whether within or outside the network. You will pay less for a visit when you stay in the network, but you can visit anyone.
The Point of Service combines the best points of the other types of managed care. You don’t need a referral as long as you stay in the network.
Contact our office at W.B. Adams Company in Beaverton, OR, when you need help choosing a healthcare provider or have questions about managed care. Give the office a call today.
One of your most significant decisions every year is choosing your health insurance. It’s a decision you must live with for a year, good or bad. Before choosing, there are some questions that you should ask. At W.B. Adams Company in Beaverton, OR, we are independent insurance agents who put the needs of our customers first. We are here to answer your questions and help to make sure you get the health insurance that is right for you.
Is my doctor in the network?
Every carrier has a network of providers approved for the health insurance customers to use. If you have a primary care doctor or specialist that you prefer, it is wise to make sure they are included in the network of the insurance you are considering.
How much is the deductible?
Every health care insurance has a deductible that must be met before the policy begins to cover treatment. High deductibles are all the rage those days, but if the deductible is too high, it means almost nothing may be covered.
What is the premium?
Cost should not be the main criterion when choosing a health insurance policy, but obviously, you have to be able to afford whatever you choose.
What type of managed care is it?
Managed care is what almost all types of health insurance are. Some types of managed care are more restrictive than others. HMO (Health Management Organization) is the most restrictive and requires that you get services within the network. PPO (Preferred Provider Organization) usually pays more if you get treatment within the network, and POS (Point of Service) lets you choose which type to use every time you need service. Making the right choice is important.
Contact W.B. Adams Company in Beaverton, OR with all your health insurance needs; we can help.
Many of us have heard the cliche expression, "your health is your wealth." Many of us would agree with this statement. Health is something we take for granted until we’re not healthy. This is why prevention is important. Health insurance allows us to be proactive about our health and this is a specific benefit that health insurance provides.
Our Beaverton, OR team at W.B. Adams Company understands the benefits of health insurance and is committed to helping people get the health coverage they need.
What is Health Insurance?
Health insurance makes healthcare more affordable. Many of us would be unprepared to pay for doctors’ visits strictly out of pocket. Health insurance allows you to visit a doctor or an emergency room and pay a portion or copay/premium to receive services. Many people are able to get health coverage through their employment.
However, health insurance can also be purchased directly through an insurance agent. Health insurance makes it possible to affordably practice preventative healthcare, as well as have access to a primary care physician and emergency health services.
I’m healthy. Do I really need health insurance?
Health insurance can be beneficial even for healthy individuals. Health insurance gives people access to preventative healthcare in the form of routine doctor visits. Often, preventative healthcare allows doctors to catch conditions before they become serious and can make a difference in the severity of a health issue.
Also, preventative healthcare is like a health report card that gives confirmation of your health, which is good to know. Regardless of whether you’re healthy or sick, health insurance provides a wide variety of benefits in a more affordable package.
Give Us A Call
If you have questions about health insurance, call us at W.B. Adams Company. We’d be happy to help you explore your options in Beaverton, OR.
When you are young and healthy, you may not think that you need health insurance. You may want to save your money, but that could be a big mistake. W.B. Adams Company in Beaverton, OR can help you navigate this important coverage.
Here are some reasons why you need health insurance:
Those who have health insurance are more likely to stay healthy
They are more likely to go to the doctor regularly for preventative medicine. They are also more likely to seek a doctor when they aren’t feeling well, catching many things before they become serious.
It will also help you prepare for the unexpected
Most people don’t expect to need health insurance, but when you do, it is a good idea to have it. You never plan to get sick or get in an accident and find yourself in the hospital. However, if it happens, you will be glad that you have coverage. You won’t have to choose between getting the help that you need and figuring out how to pay for it.
You will also end up paying less for medical care
The truth is that when you have insurance, you won’t have to pay the full price for your medical care. You will only have to pay a fraction of the cost, which will save you money in the long run.
Though you might not want to pay for health insurance, the truth is that you really should have it. You will be more likely to get preventive care to help you stay healthy. Plus, you never know when you might need health insurance!
Give Us A Call
If you need help choosing the right health insurance for you and your family, don’t hesitate to contact us today at W.B. Adams Company in Beaverton, OR.
When you are looking for health insurance in Beaverton OR, it can be easy to feel overwhelmed and take the first thing that sounds right. It doesn’t have to be that way though. The Department of Health and Human Services now provides for short-term health insurance plans to last longer than their original 30 days. You can now get short-term health insurance that lasts for up to 364 days.
At W. B. Adams Company, we want Beaverton, OR residents to be covered for every potential health hazard, including financial risk. We can help you choose the best short-term plan for your needs, and know what you should look for.
You want your health insurance provider to have a good reputation. Work with one that is connected to a network of health care professionals with a good history.
You are more likely to find health care discounts here as well. In this case, size matters. The larger the provider, the better your service.
When you are working with short-term health care, you want coverage with deductibles and choices in your coverage lengths and limits. A good deductible will mean that you pay less out of pocket every month.
You are also looking at short-term coverage. You want a plan that will allow you to get out when you have found the more permanent coverage you are looking for. Choose a plan that won’t leave you with a hefty penalty if you have to opt out of it.
Keep your Doctor
When you are changing health care providers, losing your doctor is a significant concern for anybody. Change to a short-term provider that will let you keep your doctor.
Get a Quote
When you are looking for short-term health insurance in Beaverton, OR, W.B. Adams Company can help you to get the coverage that you need. Call us today for a quote.
Having quality health insurance is one of the fundamental goals for every Beaverton, OR resident. However, simply signing the policy is not enough. As a family person, you need to take your time and learn everything about the policy to ensure that you and your family’s health is in good hands.
At W.B. Adams Company, we take you through your insurance plan and advise you based on your budget, family size, and health needs. Here are four things you probably didn’t know about your health insurance policy.
You are eligible for health check benefits every four years.
Your health insurance plan offers a free health check every four years. Different insurance companies have separate application processes, and the good news is that the results do not affect your premiums. However, you are allowed to make changes to your policy, such as increasing coverage.
Health insurance policyholders have better physical and mental health.
Studies have found that people who buy health insurance have better peace of mind and consistently report any health issues for early diagnosis and treatment. Medical treatment in Beaverton, OR, is not cheap, and that’s why many people without insurance may downplay their health problems.
Prescription drugs are covered in the formulary.
Very few people know that their health insurance offers drug prescription coverage. Your plan comes with a formulary, which is a list of drugs that the plan covers. If you take specific drugs, you should consult your insurance plan to know if they are covered.
Health insurance saves lives.
Buying insurance is the best way anyone can protect their health. It provides you with the peace of mind that you can walk into a hospital without money and get treatment without worrying about medical expenses. This means that the more people embrace health insurance, the healthier they become, and more lives are saved.
Need help understanding health insurance? W.B. Adams Company is here to help answer all your questions. Feel free to drop by or book an appointment with us.
There are many forms of insurance that someone in the Beaverton, OR area will need and want to have. One of the most essential types of insurance coverage to get is health insurance. This form of insurance is extremely beneficial as it can help to ensure that you are protected in many different ways.
Provides Access to Preventative Healthcare
Having access to preventative care, which can include being able to see a physician for an annual physical or getting affordable medication, is a great way to stay healthy. When you do not have insurance, this may not be a practical option for you. Those that have this form of insurance coverage will receive the coverage that they need to get the preventative care necessary.
Provides Access to Major Medical Expenses
While preventative care is important, the most expensive healthcare costs can come if someone is hurt or becomes seriously ill. If this does occur, the cost of care and recovery can be high. Fortunately, when you have health insurance, you will have the insurance coverage to ensure you receive the right care and that your costs are reduced as much as possible.
Those that are in the Beaverton, OR area, and are looking for insurance may find that picking a health insurance policy is confusing. As you are shopping for a new policy, seeking out the advice and guidance provided by a professional could be a great option. The team at W.B. Adams Company could provide you with the support that you need to choose a new policy. The insurance team at W.B. Adams Company will evaluate all of your individual health insurance coverage needs and then help you to choose a policy that will provide you with the right type and level of coverage.