What is a PPO?
A PPO is a Preferred Provider Organization. The preferred providers, doctors and hospitals, are your “in network” service providers. You get a negotiated, reduced cost for services in network, you pay more outside the network. The vast majority of health plans are PPO.
Insurance for the Self-Employed
If you are self-employed you do not have the luxury of having insurance benefits offered by the company you work for. The good news is…you can build a personal policy that includes what you want and leaves out what you don’t want. Group insurance is one size fits all, take it or leave it. When you’re on your own, it only has to fit you.
What Does it Mean to “Self-Insure”
There are many reasons why you might have to “self-insure”. Maybe you quit your job, got laid off, your company doesn’t offer insurance, your self-employed, an independent contractor or commissioned sales person. Perhaps it’s too expensive to be added on to your spouse’s plan. Whatever the reason, you’re on your own, but not alone. I may be able to help you get benefits.
HSA’s Health Savings Accounts
Is an HSA the best option when you self insure?
Short Term Health Insurance
If you just lost your job AND your benefits and COBRA is too expensive, this might be the answer.
Affordable Health Insurance
How can you make your health insurance affordable?
Why Have Supplemental Health Insurance?
Because YOU get paid. Your health insurance pays the doctor and the hospital but WHO PAYS YOU? If you are sick or injured, you are not working and probably not making money. Supplemental insurance PAYS YOU.