Health Insurance

Often, people in good health underestimate the possibility of getting sick or an accident and postpone matters, which are after all the most important for everyone, until it is too late and often you have to incur huge costs associated with treatment and medical surgery.

Policy Types

HMO - with this type of insurance you will have access to doctors and hospitals in a specific providers network, which is created by health facilities cooperating with the insurance company on pre-determined principles and quality standards. This insurance is usually cheaper but it will not be appropriate if there are no such health facilities in your area or if there is no specific medical specialty within your network. Other restrictions may apply, e.g. on the number of visits, tests or therapies.

As a rule, HMO insurance involves the selection of a primary care physician (PCP) who will determine each time what therapy you need, and if necessary, PCP will direct you to the appropriate specialist or order specialized examinations.

PPO - with this type of insurance you will have more freedom in deciding which doctor or hospital you want. Here you can also take advantage of a visit to the network of facilities cooperating with the insurer, but you can also choose a doctor at your discretion. However, a higher premium and own shares are associated with the PPO policy.