McCart Insurance Explains the Differences Between HMO, PPO, and POS

NORCROSS, GA, October 09, 2012 (Press-News.org) McCart Insurance, a leading Georgia health insurance provider and broker for Coventry One health insurance, wishes to explain the differences between health maintenance organizations (HMO), preferred provider organizations (PPO), and point-of-service plans (POS). With the differences between these Georgia health insurance plans, which one you choose will depend heavily on your situation.

HMO health insurance restricts clients to the physicians they can choose. They must chose a physician that is listed with their Georgia health insurance plan. HMO plans are generally the least expensive plan option, but patients will have to pay a co-pay when they use their plan.

PPO health insurance allows clients a bit more freedom with their physician choices, allowing them to choose a physician in-network for full coverage, or an out-of-network physician with some coverage. There are co-pays, but in-network office visits will be a smaller amount paid than visiting an out-of-network office.

POS is a sort of hybrid between HMO and PPO, in the sense that you are required to select an in-network physician, but can visit an out-of-network physician with the possibility that you may have to pay all costs if you do. If your primary care physician refers you to an out-of-network physician, however, your health insurance will cover the costs.

"Many clients come in with no idea what each type of health insurance entails," states Alicia McCart, CEO of McCart Insurance, a Georgia health insurance provider and broker of Coventry One health insurance. "We help each client to understand how the differences in these plans can affect their choice. This helps our clients to make the right decision for their health insurance needs."

With over 40 years of experience with health insurance, McCart Insurance knows you can find affordable health insurance in Georgia. Determining which plan is right for you will depend on your current situation, but the professional staff at McCart Insurance is ready to help you find a plan that's best for you.

For more information on Coventry One health insurance and McCart Insurance, visit http://www.mccartinsurance.com/.

About McCart Insurance:

For decades, McCart Insurance has helped Georgia individuals and families to select their ideal Georgia health insurance plans, including plans from Coventry Healthcare of Georgia. McCart Insurance is a family owned and operated business with over 40 years of experience in the personal insurance field.

As a Coventry Healthcare of Georgia health insurance provider, McCart Insurance will find the perfect insurance plan for you and your family for the best price.

For more information, please visit http://www.mccartinsurance.com/.

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