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Frequently Asked Questions (FAQ's)
What is the difference between an HMO and a PPO?
When you use an HMO you must utilize their doctors. When you use a PPO you get reduced rates to use their network but you have the freedom to go out of network.
Can I change my PCP under an HMO anytime?
Yes, but most companies require that the request be made by the 15th of the month.
What is a Deductible?
The amounts that must be paid first before most benefits begin.
What is coinsurance?
The percentage of expenses you and the insurance company share after the deductible is met.
What is a Copay?
A small payment that is paid for certain services (ex. Doctor visit, prescriptions) that does not apply towards the deductible. | 
