949-300- 3022 neil@insurance-oc.com

Is My Provider In Network?

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...

HMO – Should You Get One?

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 –...