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| | We're Waiting For Your Call 1-800-748-5538 | |
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| | Now choosing a health insurance plan is easier than ever. You can choose the plan that both provides your benefit needs and stays within your budget. For most people, this means deciding which plan is most affordable for the benefits you need. For example, plans that provide a greater choice of doctors, hospitals and benefits tend to cost more than plans that limit these choices.
HMO (Health Maintenance Organization) - Requires you to obtain medical care from a specified list of hospitals and doctors. You must choose a PCP (Primary Care Physician) and you need a referral from your PCP to see Specialists. Out of network expenses are not covered. POS (Point-of-Service) - Also requires you to obtain medical care from a specified list of hospitals and doctors as well as Primary Care Physicians. However, you also have the option to obtain care from non-network doctors and hospitals. When your expenses are from out-of-network providers, you will have to pay more of the cost.
PPO (Preferred Provider Organization) - Allows you to use specified in-network hospitals and doctors, but you can also use out of network hospitals and doctors who are not members of the PPO network. If you are seen by PPO providers, your benefit will be at a higher return than if you were seen by an out of network provider. Unlike a POS, you do not have to choose a PCP (Primary Care Physician) in order to receive In Network benefits. | |
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| | Individual Health Insurance Quote Form | |
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2004 Form Provided by
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| | Remember: LM Financial & Insurance Services are also your partners for | |
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| | Why it pays to let LM Financial help you find the best, most affordable health insurance - We will contact you promptly.
- We will never sell your personal information to anyone.
- Our computerized quote database accurately determines the coverage you qualify for.
- You will get quotes from several highly-rated insurance companies, to make sure you get the best coverage at the best price.
- We will assist you in getting your life insurance policy issued quickly and efficiently.We are committed to providing excellent customer service and the best term life insurance.
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