by Neil Steinman | Oct 22, 2023 | ACA Health Plans, Types of Plans
What's the difference between HMO, PPO and EPO? HMO You always see your primary care provider first, who refers you to specialists within a specific medical group. You cannot get care outside the medical group or the plan’s network unless it’s an...
by Neil Steinman | Dec 11, 2021 | ACA Health Plans, Affordable Care Act, Health Insurance, Types of Plans
Should you consider an HMO? While you may have to get a referral from a primary doctor to see a specialist, that referral process can also result in a huge advantage. How? If you have a serious medical event, all the doctors & specialists in the HMO work...
by Neil Steinman | Oct 14, 2018 | ACA Health Plans, Costs & Subsidies
Since the Obamacare penalty went into effect Jan 1, 2014, lots of people have tried to figure out whether it’s cheaper to buy health insurance or pay the penalty. As a health insurance agent, many of these people have asked me to help them figure it out. I...
by neil steinman | Aug 22, 2016 | ACA Health Plans, Affordable Care Act, Health Insurance
Remember the “old days”, when you could buy health insurance anytime you wanted to? Did you ever wonder why you can now only buy during an Open Enrollment period?* The turning point was when Obamacare went into effect, otherwise known as The Affordable Care Act.....
by neil steinman | Jul 3, 2013 | ACA Health Plans
If you do not have a Grandfathered Plan, then why can’t you keep your current plan? Because starting 1/1/14, all plans must meet minimum coverage standards – These are called Essential Health Benefits. If you do not have a plan that meets these standards,...
