It's Not Easy to Find Health Insurance That Meets Your Needs
For many Nebraska residents, health insurance is necessary to keep healthcare costs in check, but not everyone can get insurance through their employer. The alternative to getting a policy is on the federal healthcare exchange, but that can be a confusing experience. At Ally Insurance Brokers of Omaha, we're an insurance agency that's here to help you get a healthcare policy that is affordable while providing the coverage you need for yourself and/or your family. Here's a look at some health insurance basics that are good to know before you buy:
Most Common Types of Health Insurance Plans
There are three types of health insurance plans that you'll encounter when looking at policies. They are:
- Preferred provider organizations (PPO) have low co-payments and give you some flexibility in picking your health care provider.
- Health maintenance organizations (HMO) cover more of the cost of care and have lower co-payments, but you can only use providers in the plan's network.
- Traditional fee-for-service insurance has the most flexibility in choosing your provider but is also the most expensive type of health insurance.
Selecting an Insurance Company
All insurance companies offer different health insurance policies that range from broad coverage to specific types of coverage. Some insurance companies are more comprehensive in their coverage than others. You have the option to pick a company that you want to work with or sign on with a company that provides the coverage you need, regardless of which company it may be.
Contact Us Today at Ally Insurance Brokers of Omaha
We're here to help you understand your options, coverage, and costs of various kinds of health insurance plans. We can also help you learn more about the difference between plans offered on the exchange and what we can offer you through our insurance agency. Our plans are designed to cover the healthcare needs of Nebraska residents and help them stay healthy.