What you need to know to help you choose

The three most common types of health plans are Health Maintenance Organizations (HMOs), Preferred Provider Organization insurance plans (PPOs) and Consumer Directed Health Plans (CDHPs).

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Understanding Health Coverage

Buying individual health insurance is a big decision. And big decisions require information, choices, and someone to turn to when you have questions.

You can be sure you will be well-taken care from Primoridal Benefit Solutions. Our goal is to provide fast, friendly service every time you need answers on claims, benefits, or payments.

Obtaining Health Coverage

Many people get health coverage through their employer. This is called group coverage. Employers may offer several plans to choose from, and employees get a chance to change their plan once a year during open enrollment.

Some people purchase their own coverage because it is not available through their employer. This is called individual health insurance coverage. Individual health insurance coverage is a good option for people who are:

In between jobs
Self-employed
Early retirees
Recent college graduates
Part-time workers

Some Americans receive health coverage through government programs. Some examples of government health programs are Medicare, Medicaid and other programs run by individual states.

Types of Health Coverage

Health insurance plans come in all shapes and sizes. That’s why it’s important to assess your needs before you choose an insurance plan. First, we can help you determine what kind of coverage you need, for example, a major medical insurance plan or a temporary insurance plan. A major medical insurance plan usually renews on a yearly basis and does not expire until you decide to terminate the policy or discontinue paying premiums. On a temporary insurance plan, you can decide if you want coverage from one to six months at a time, for a maximum of 12 months.

Major medical insurance plans usually offer an optional dental plan. The dental plan is only offered along with the health insurance plan. It cannot be purchased alone. Additional services that could be included with a health insurance plan are preventive care, prescription drug coverage and vision coverage. It is important to do research so you can find the insurance plan that provides the best coverage and services for you.