Kansas Preferred Insurance will guide you and help you understand the many different types of Kansas health insurance choices for yourself and your family. For example, suppose your employer does not offer adequate health insurance to fit your needs, or you are self-employed. In that case, one of our experienced advisors can help you sift through the different options to select the right plan for your needs at an affordable price..
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Kansas Health Insurance Options
Fee-For-Service (FFS): A health plan will pay the medical provider directly or reimburse you after filing an insurance claim for each covered medical expense. When you need medical attention, you visit the doctor or hospital of your choice.
Health Maintenance Organization (HMO): A health plan that provides care through a network of physicians and hospitals in particular geographic or service areas. It provides a comprehensive set of services - as long as you use the doctors and hospitals affiliated with the HMO. HMOs charge a copayment for primary physician and specialist visits and generally no deductible or coinsurance for in-hospital care.
Preferred Provider Organization (PPO): A health plan that contracts with medical providers creating a network of participating providers including hospitals and doctors. You pay less if you use providers in your plan's network, however, you can use providers outside your network for a higher cost.
Selecting the correct health insurance coverage can not be overstated. If you like your doctor and you want to keep him, an HMO plan might be the best choice for you. If you want more independence with you care a PPO might be the best option for you.
Selecting the correct Kansas health insurance depends on several factors, not limited to the amount of assets you need to protect. Our experienced Kansas health insurance advisors can help guide you through the process and help you select the correct health insurance for your specific needs.
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