Bakersfield, Delano, Wasco, Tehachapi, and Arvin, California
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Individual Health Insurance Plan Options
A Preferred Provider organization plan gives you a great deal of control and flexibility. When people refer to “their” Doctor they are generally referring to a PPO health insurance plan.
Your deductible, copays, and coinsurance amounts will be much lower if you stick to doctors within your network.
You will still have coverage outside of the PPO’s network, you will just have a higher deductible, copay, and coinsurance amount.
A Health Maintenance Organization tends to work on a preventative basis.
With HMOs you select a primary care physician who acts as the gatekeeper to seeing other doctors. If you want to see a specialist, your primary care doctor must first approve it.
HMOs tend to have a lower price tag than PPOs, but you are restricted to their network, and there is no out of network coverage.
An Exclusive Provider Organization combines the large network of a PPO with the functionality and the lower price of an HMO.
These plans tend to be more available in large population centers along the California Coast such as: San Francisco, Los Angeles, Orange County, and San Diego.
They have a larger network than an HMO, but they don’t offer out of network coverage. If you try to seek care outside of the EPO network you will have to pay full price for those services.
California Health Insurance: Anthem Blue Cross Plan Getting Canceled?
Whether you are looking for medical insurance quotes for individuals or a health insurance plan for family coverage we can help you find the very best affordable health care plans. Do not hesitate to contact The Lynn Company at 661-873-2200 for more information on Health Insurance.
If you are looking to buy health insurance in Bakersfield CA; our office is located at
3761 Bernard Street, Bakersfield CA 93306