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For Enrollment Assistance, Please call Oleg Skurskiy (818) 987-5000

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Health Insurance Overview
Just like other forms of insurance, for your car and your home, health insurance helps relieve the burden of unexpected events: you put away a little in case you need a lot later. You and your family's health should be of the highest priority.

Every year, the cost of healthcare increases dramatically. Simple same-day surgeries, required tests and emergency attention can add up to thousands of dollars or more.

The overall benefits of health insurance are obvious. You won't be avoiding the doctor because it costs too much. The hospital bills won't be piling upon your desk waiting for attention. Your health insurance will provide the help and care you demand. Also, if you drive a car, health insurance will work cooperatively with your auto insurance in case of an accident.

There are many health insurance companies available, offering various types of plans. We are capable to get you the best plan and coverage to suit your needs.

Using this comprehensive tutorial, you can find out about different types of health insurance, choosing a policy, and much more

PPOs
Like an HMO, a preferred provider organization (PPO) is a managed healthcare system. However, there are several important differences between HMOs and PPOs.

A PPO is actually a group of doctors and/or hospitals that provides medical service only to a specific group or association. The PPO may be sponsored by a particular insurance company, by one or more employers, or by some other type of organization. PPO physicians provide medical services to the policyholders, employees, or members of the sponsor(s) at discounted rates and may set up utilization control programs to help reduce the cost of medical care. In return, the sponsor(s) attempts to increase patient volume by creating an incentive for employees or policyholders to use the physicians and facilities within the PPO network.

Rather than prepaying for medical care, PPO members pay for services as they are rendered. The PPO sponsor (employer or insurance company) generally reimburses the member for the cost of the treatment, less any co-payment percentage. In some cases, the physician may submit the bill directly to the insurance company for payment. The insurer then pays the covered amount directly to the healthcare provider, and the member pays his or her co-payment amount. The price for each type of service is negotiated in advance by the healthcare providers and the PPO sponsor(s).

Advantages of PPOs
Free choice of healthcare provider
PPO members are not required to seek care from PPO physicians. However, there is generally strong financial incentive to do so. For example, members may receive 90% reimbursement for care obtained from network physicians but only 60% for non-network treatment. In order to avoid paying an additional 30% out of their own pockets, most PPO members choose to receive their healthcare within the PPO network.

Out-of-pocket costs generally limited
Healthcare costs paid out of your own pocket (e.g., deductibles and co-payments) are limited. Typically, out-of-pocket costs for network care are limited to $1,200 for individuals and $2,100 for families. Out-of-pocket costs for non-network treatment are typically capped at $2,000 for individuals and $3,500 for families.

Disadvantages of PPOs
Less coverage for treatment provided by non-PPO physicians
As mentioned previously, there is a strong financial incentive to use PPO network physicians. For example, members may receive 90% reimbursement for care obtained from network physicians but only 60% for treatment provided by non-network physicians. Thus, if your longtime family doctor is outside of the PPO network, you may choose to continue seeing her, but it will cost you more.

More paperwork and expenses than HMOs
As a PPO member, you may have to fill out paperwork in order to be reimbursed for your medical treatment. Additionally, most PPOs have larger co-payment amounts than HMOs, and you may be required to meet a deductible.

 

We carry a variety of health and life insurance plans to meet your individual and small business needs. These plans are underwritten by the top insurance carriers in the industry. When you shop for health insurance, we recommend that you to compare different plans and contact us for advice. Even better, allow us to compare health insurance plans for you. We will analyze your needs and help you pick the health insurance plan that is right for you. We never charge a fee for the advice or services we provide. An authorized independent Agent will provide you with options that will benefit your interests; not the Agent’s. We offer free life insurance quotes: Life insurance will help you to protect your family or business against financial disaster. We also offer disability income protection through age 65. Selecting the appropriate life insurance is one of the most important decisions you will make. If you are a business owner please fill out this form for a free Quote. Purchasing the right health insurance can be a rather confusing task. Please feel free to call us to get free quote over the phone with no obligation. Call (818) 987-5000 or complete this form and get a free quote via email or by fax.
 
 

Oleg Skurskiy
Authorized Independent Agent


Tel.: 818-987-5000

email: askoleg @ hotmail.com

Mailing address only :
21781 Ventura Blvd # 1067
Woodland Hills, CA 91364

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