Category: Insurance

As if it wasn’t stressful enough to have to choose which health insurance to get every year, you have to understand a bunch of insurance terms and managed care. It is a lot for anyone who isn’t an insurance professional. At Infinity Insurance Group in Post Falls, ID, we do understand all the health insurance terms and we are here for you to make choosing the right policy easier for you.  

Types Of Managed Care

HMO (Health Maintenance Organization)

An HMO is the most popular type of managed care but it is also the most restrictive. The organization has a network of providers that the members must use. From those providers, you must choose a primary care physician who will manage your care. Make sure before you choose an HMO that your preferred primary care physician is in their network. In order to see a specialist, you will need to have a referral. The only time you can go outside the network is in the event of an emergency. 

PPO (Preferred Provider Organization)

In this type of managed care, you don’t need to have your care managed by a primary care physician. You can see a specialist without getting a referral. You will pay more to go outside the network, but that is a choice you are allowed to make. This type of coverage allows the most freedom. 

POS (Point of Service)

A POS is a combination of HMO and PPO. It is like an HMO in the fact that you need to have a primary care physician and you need to get a referral to visit a specialist. But like a PPO, you have some overage if you go outside of the network. 

Contact Infinity Insurance Group in Post Falls, ID to get the personalized service that only an independent insurance agent can provide. 

Infinity Insurance Group serves the Post Falls, ID community. We are an independent insurance agency. We work closely with over 25 carriers across the country. This allows us to offer our clients a wide variety of options. We want to make sure that they are covered in any situation.

4 Benefits Of Health Insurance

Health insurance gives you peace of mind. You are covered if you aren’t feeling well and need to go see your doctor or if you need to visit the emergency for urgent care. Health insurance also covers your preventative care such as regular checkups. Here is a look at some additional benefits of health insurance.

Prescription Drug Coverage

If you aren’t feeling well and your doctor recommends that you take some medicine, your prescription drugs are covered. This way, you can simply focus on getting better.

Mental Health

Sometimes, things just aren’t going well. Perhaps you have a time in your life where you are feeling sad and dealing with depression. If you are struggling with mental health, your health insurance will cover you as you seek treatment.

Rehabilitation

If you suffer a serious injury, health insurance covers your rehabilitation. You are protected if your doctor recommends that you go see a Post Falls, ID physical therapist. You can amend your policy to cover more innovative forms of rehabilitation, such as acupuncture.

Pediatric Care

If you are a parent, your policy covers your young children while they receive the necessary care to keep them healthy. Your child’s dental and vision is covered.

Infinity Insurance Group Will Help You Protect Your Assets

Visit our website to learn more information about health insurance.