The Basics-

How does a PPO work?
As a member of a PPO (Preferred Provider Organization) plan, you will be guided thru a pricing structure to use the services of an "in network" group of Doctors, Hospitals, Clinics, etc...With a PPO plan, services rendered by an out-of-network physician are typically covered at a lower % than services rendered by an "in-network" physician. Health-Plans-Nevada.com Agents have the ability to help you search your local providers to make sure that you can use your new Nevada Health Insurance at your choice of providers...

How does a HMO plan work?
HMO (Health Management Organizations) plans typically enable members to have lower out-of-pocket healthcare expenses but also offer less flexibility in the choice of physicians or hospitals than other health insurance plans. As a member of an HMO, you’ll be required to choose a primary care physician (PCP) which you must see prior to being referred to a specialist.

How does an HSA work?
HSA's and HDHP's are a great way for people to control their health care costs. Here are some basics: http://www.ustreas.gov/offices/public-affairs/hsa/


What is a co-payment?
A "co-payment" or "co-pay" is a specific charge that your Health Insurance plan may charge for specific medical services or supplies. Most likely referred to as "Dr visit fee" in your Nevada Health Plan summary.

What is deductible?
A "deductible" is a specific dollar amount that your Health Insurance Company may require that you pay out-of-pockt each year before your Health Insurance plan begins to make payments for claims. Most PPO plans have deductibles that must be met before any claims will be paid.

What is co-insurance?
Co-Insurance is the dollar amount that you are required to pay for a medical claim or procedure, apart from any co-payments or deductibles. If there is a 20% co-insurance requirement, then a $200 medical bill will cost you $40 and the plan will pick up the remainder.


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