Health Insurance Plans
Individual Health Insurance Plans
At
Goodfriend Health Insurance Advisors, we specialize in providing individual health insurance policies through
many insurers. We can help you select a health plan that meets your family’s needs and your budget––and meets the requirements of the Affordable Care Act (Obamacare).
Great Benefits and Flexible Rates!
We can help you choose from the many options you have with independent insurance plans
- Figure out if you qualify for a premium tax credit through the marketplace
- Determine the type of coverage you need, including access to physicians, facilities and pharmacies
- Select a plan with a deductible and copay/coinsurance levels that will benefit you most
- Determine a monthly premium that works with your budget
HMO vs PPO vs EPO
HMO
HMO (Health Maintenance Organization) insurance plans typically offer more cost-effective healthcare options with a focus on preventive care. In an HMO plan, you must select a primary care physician (PCP) from a network of providers who will coordinate your healthcare and refer you to specialists if needed. HMOs generally require you to receive care within their network, and if you seek services outside the network, you may have to pay the full cost. HMOs usually have lower premiums and out-of-pocket expenses but may require you to obtain a referral before seeing a specialist.
PPO
PPO (Preferred Provider Organization) insurance plans provide more flexibility in choosing healthcare providers. With a PPO plan, you have the freedom to see any doctor or specialist without a referral, both inside and outside the network. While PPOs have a network of preferred providers with discounted rates, you can still receive partial coverage for out-of-network care, although you may have to pay higher deductibles and coinsurance. PPO plans typically have higher premiums and out-of-pocket costs than HMOs but offer greater freedom and choice when it comes to selecting healthcare providers.
EPO
EPO (Exclusive Provider Organization) is a type of health insurance plan that combines elements of both HMO and PPO plans. In an EPO plan, you are required to use healthcare providers within a specified network to receive coverage. However, unlike an HMO, an EPO plan does not typically require a referral from a primary care physician (PCP) to see a specialist. This means that you have more freedom to directly access specialists without going through a PCP. EPO plans do not provide coverage for out-of-network care, except in cases of emergency. They often have lower premiums compared to PPO plans but may have higher out-of-pocket costs for services received outside the network. Overall, EPO plans offer a balance between cost savings and provider choice, making them a popular choice for individuals who prefer a more restricted network but still want some flexibility in accessing specialists.
Get More - At No Additional Cost
Insurance plans from many top carriers offer members a broad range of services and programs that are not only convenient but also help save money on many health care needs.
Once you enroll in a plan and receive your member ID card, you can register your account online through your carrier’s member portal.
Everything you need to know about your health coverage is at your fingertips 24/7. From claims status and benefit details to finding doctors, health improvement tools, convenient bill pay options, and ways to save money, you can access your health information whenever you need it. You can also manage your benefits and coverage right from your smartphone
Perks Of Enrolling In Independent Health Plans
Exclusive Member Discounts
- Enjoy special savings on a wide range of health and wellness products and services, including:
- Fitness club memberships
- Exercise footwear and apparel
- Weight management programs
- Vision care, glasses, and contact lenses
- Hearing aids and care
- Family care and elder care services
Save More on Care
Quickly compare the cost and quality of medical services before you schedule an appointment. Many plans also let you check real-time prescription prices at nearby pharmacies so you can keep your out-of-pocket costs low.
Personal Care Guidance
Get one-on-one help to understand your benefits and find affordable, high-quality care. If you’re planning a procedure or managing a health condition like diabetes or COPD, you can talk with a nurse or care specialist who can guide you every step of the way.
24/7 Health Advice
Have a health question? Call your plan’s nurse helpline anytime — day or night — to get trusted answers and advice on everything from kids’ allergies to heart health. Many carriers also provide online tools and resources for ongoing support.
Wellness Made Simple
Take advantage of interactive programs designed to help you reach your health goals — whether it’s weight management, emotional well-being, stress reduction, nutrition, quitting smoking, or getting more active. Track your progress online and stay motivated.
Your Personal Health Record
Keep all your important health information in one secure place. Track doctor visits, medical conditions, surgeries, allergies, immunizations, and more — and share details easily when needed.
Clear, Simple Health Statements
See an easy-to-read monthly summary of your claims, costs, and savings. Go paperless and create custom reports to stay on top of your health care spending and prepare for tax time with less hassle.