Health Insurance in Richland Hills, TX

Health insurance may help pay for various medical services, including hospital care, prescription drugs, preventive screenings and specialty treatments. Many plans also cover mental health care, rehabilitation and maternity services.

Types of Health Insurance Plans

Health insurance comes in many forms. You might be able to join a group plan through your employer, which can offer lower rates. You can also explore individual plans through the Health Insurance Marketplace. The following are the most common types of plans:

• Health maintenance organization (HMO)—These plans require choosing a primary care doctor who oversees your care and refers you to specialists. HMOs often cost less but require staying within a specific provider network.

• Preferred provider organization (PPO)—These plans offer more flexibility. You can see out-of-network providers, though you’ll pay more out-of-pocket for those services. PPOs usually have higher premiums and deductibles.

• Point of service (POS)—This blends HMO and PPO features. You select a primary care provider, but you can also go out of the network when needed.

• Exclusive provider organization (EPO)—This is similar to a PPO, but you must use in-network providers. You don’t need referrals to see specialists.

Cost of Health Insurance Plans

How much you’ll pay each month for coverage depends on many factors, including the following:

• Type of plan

• How you obtain coverage (job-based, Health Insurance Marketplace, etc.)

• Number of people covered

• Ages of those insured

• Coverage limits and deductibles

• Location

• Lifestyle choices, such as tobacco use

We’re Here to Help

All About Insurance Agency is ready to explain your health insurance options and help you explore available plans. Contact us for more details.