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 | Apr 18, 2019 | Health Insurance, Medicare, Uncategorized
I am NOT making a political statement but rather offering food for thought based on my 20 years as a health insurance & Medicare broker. “Medicare for All” is a misnomer. Medicare as we now know it, for people 65+ years old, is not an entitlement. We’ve paid for...
by neil steinman | Nov 1, 2017 | Provider Networks
Since you can only change your health insurance during Open Enrollment, it’s very important to confirm that your provider is “In Network”. PROBLEM: The networks are getting increasingly smaller – and it’s especially difficult if...
by neil steinman | Jun 29, 2017 | Health Insurance
The problem is not that health insurance is expensive, it’s that health care is expensive. If you bring down the cost of health care, the cost of health insurance will follow. So here’s 1 way to bring healthcare costs down. Have every provider publish...
by neil steinman | Apr 22, 2017 | Types of Plans
Currently, there are 4 levels of coverage in Health Insurance – Bronze, Silver, Gold and Platinum. Bronze has the lowest premium and has the highest co-pays and deductible while Platinum is the most expensive and has the lowest co-pays and deductible. In fact,...
by Neil Steinman | Dec 10, 2016 | Types of Plans
Here’s the main difference between an HMO and PPO: PPO – You can go to specialists without a referral and you can go outside the plan’s provider network, although you’ll have considerably more out-of-pocket expense if you do that. HMO –...
