What’s the difference between an HMO and a POS?

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One common phrase we hear when meeting with a new prospect is, “I only want POS options.” Granted we always provide our clients what they are looking for, but we have also come to realize the only reason they want POS options is because they have the misconception that they are just better. While there […]

Health Insurance 101

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Premiums = Cost of having insurance Deductible: The amount you have to pay before the insurance kicks in $3,000 Co-insurance: The % of costs you pay after meeting your deductible 20% Co-payments: A fixed amount for a covered service $20: PCP $40: Specialist Out of Pocket Maximum $5,000 Once this is met, all medical services […]