Understanding the Benefits of Multiplan PPO Insurance

When looking for insurance coverage for either yourself or your entire family, you have probably seen offerings for Multiplan PPO Insurance. There are many different insurance types available today, and the complexity of different plans can sometimes create confusion when you are looking for coverage.

Multiplan PPO Insurance combines some of the benefits of other types of insurance while introducing some unique advantages that could work perfectly for your needs. It’s time to learn about how Multiplan works and why it might be the best choice for you.

Multiplan is the Oldest PPO Network in the United States

Multiplan offers insurance through a large network of providers, and it’s actually one of the oldest PPO options in the United States. Multiplan was first founded in 1980, and its long history means that there is an extensive network of healthcare providers that fall under the Multiplan coverage umbrella. According to the most recent data from Multiplan, there are 4,500 hospitals and 550,000 individual practitioners within the network.

Why Would You Buy Multiplan PPO Insurance coverage?

There are many benefits to having a Multiplan policy. With such a large network of healthcare providers, Multiplan combines some of the best insurance options that you will find in the country. It will provide options should you ever need care outside of your network, making it a popular choice for people who regularly travel around the United States for work or family commitments. Price is a major benefit, as purchasing Multiplan will mean much lower costs when compared to purchasing directly from insurance providers within the network.

Even within a healthy economy, it is important to choose essential services that are affordable. The potential cost savings of choosing Multiplan PPO Insurance coverage could have a significant positive impact on your budget.

What is the ‘PPO’ in Multiplan PPO Insurance?

PPO InsuranceIf you’re purchasing private insurance for the first time, then you may not know what PPO insurance is. You will find this acronym used regularly in the insurance industry, so it’s important to understand exactly what it means.

PPO refers to a Preferred Provider Organization. With a PPO insurance plan, you will qualify for coverage when receiving medical services from within the preferred network. You can think of it in the same context as an HMO, but with far better flexibility.

With an HMO, you don’t have any real freedom or flexibility when you need to visit a primary care physician. Coverage will only be offered for physicians within the HMO network, and these networks are typically quite small. Not only does this mean you are limited in terms of choosing a preferred physician, but it can also severely limit your options if you are traveling out of town. HMO plans also require primary care referrals before you can get special treatment. This can be inconvenient and time-consuming, particularly when considering some basic and routine procedures.

A PPO plan is completely different. Unlike an HMO, you won’t have a primary care physician assigned. You will always be able to choose from the physicians that are within the Multiplan PPO Insurance network. As mentioned earlier, there are 4,500 hospitals and medical centers, along with 550,000 individual medical practitioners under the Multiplan umbrella. Your options will be vast, and it doesn’t matter where you travel. Wherever you are in the United States, you will enjoy the freedom and flexibility that is offered by Multiplan PPO Insurance.

Perhaps most importantly, you won’t need to wait for referrals when you want a specialist consultation.

PPO vs. HMO in Terms of Cost

It should be made clear that while Multiplan PPO Insurance is more affordable than going directly to individual providers, it is still costlier than choosing an HMO plan. You will need to decide whether the advantages are compatible with your unique situation.

To recap what these are;

  • A PPO has a wider network of healthcare providers than an HMO.
  • You are not required to get treatment from a primary care physician. You can choose to visit any physician within the Multiplan umbrella.
  • You won’t need referrals to get specialist consultations and treatment.

If these are all benefits that work for you, then you can talk to us about Multiplan PPO Insurance today. Our licensed insurance agents can provide the best advice and may have other suggestions based on your needs and your budget.

Don’t Run the Risk of Having Less Insurance Coverage Than You Need

Health insurance is essential in the United States. Whether you need personal insurance or coverage for your entire family, you need to make sure that you get a suitable amount of coverage so that you have treatment options available.

Choosing the right insurance is all about considering your needs. If you don’t travel often and aren’t bothered by having limitations on the providers you can choose, then it’s possible that an HMO plan would be all that you need.

If you require more flexibility, if you are often on the road, or if you simply don’t want the limitation of always dealing with a primary care physician before any procedure or consultation, then Multiplan PPO Insurance will make much more sense for you.

Weigh up the cost of insurance, consider your medical history, and think about your future. You should also keep in mind that even when buying health insurance, you won’t be stuck with the same policy forever. An affordable Multiplan PPO Insurance package today could easily be changed at the end of the next insurance year.

If you are looking for the best insurance options, then Mutual Health Partners is the ideal place to start. Learn about different policy types, get advice, and compare the policies that suit your needs and budget. Contact us today if you’re ready to take the next step for your insurance coverage in 2019 and beyond.


Everything You Need to Know About PPO Insurance

If you are looking for one of the most flexible health insurance products for individual or family coverage, then PPO insurance is going to be one of the best options that you find on the market.

This type of insurance offers more freedom when you choose health providers, and it is also relatively affordable, making it perfect if you are shopping for insurance on a budget.

The following is all you need to know about PPO insurance, including how it works, how you will choose your service providers, and how to determine whether it’s the right insurance for you.

How Does PPO Insurance Work?

PPO Insurance, otherwise known as Preferred Provider Organization Insurance, is a type of insurance product where you will have the freedom to choose your doctors for both primary care and specialty care. With most policies, you can receive insurance anywhere in the United States, and your insurance could even cover you when you are traveling overseas in some circumstances.

Being a preferred provider plan, the biggest savings come when you choose service providers from within the insurance network, however, PPO insurance can still offer coverage when you are outside of the network, although the out of pocket costs will be higher.

When you sign up for a PPO healthcare plan you will be provided with a complete list of practitioners and medical facilities that are members of the network. This will allow you to choose the service providers in your area that can offer health care at the lowest out of pocket cost. Because you will receive more affordable healthcare from within the network, it is recommended that you choose the listed doctors and specialists whenever it is convenient.

Primary Care Physicians and Referrals with PPO Insurance

PPO InsuranceBeing able to get some level of coverage both inside and outside of the network is one of the biggest advantages of choosing PPO health insurance. Another advantage is the fact that you can choose doctors and specialists that you want to visit. This is significantly different from both exclusive provider and HMO insurance options.

An HMO plan would require that all your medical services begin with a primary care physician (PCP). Based on consultation, this physician would then determine whether you require a referral to a specialist or another clinic. If the PCP doesn’t provide that referral, then you would have to shoulder the full cost of any treatment that you receive.

With PPO health insurance, you can always choose the doctors and specialists from within the network. This means that if you want a certain procedure done, or if you want to consult with a specialist, then you will have coverage from your insurance.

This is convenient in many different scenarios, particularly if you are aware of your own health conditions and you know that you need to see a specialist such as a gastroenterologist, or an allergist etc.

If you have looked at other types of insurance and have found them to be too rigid in what they provide, then a PPO insurance plan could be perfect for you.

Cost of PPO Health Insurance

The cost of PPO insurance will depend on the insurer that you choose and the number of people that you are insuring. The level of care and the amount of coverage provided will also have an influence on the total cost of your insurance.

Typically, PPO insurance plans will have higher monthly premiums with lower deductibles. This can be especially helpful if you visit specialists often. Out of network services will attract less insurance coverage, so this is something that you always need to keep in mind.

With this type of health care plan, you are paying for freedom and flexibility. If you travel often, if you know that you will require multiple consultations throughout the year, or if you have children in the family, then having the freedom of a PPO insurance plan will offer you more peace of mind.

Out of Network Care When You are Covered by PPO Insurance

Emergency medical care is covered by all ACA compliant insurance products, regardless of the exact type. This is true for PPO Insurance, even if care is provided outside of the preferred network.

Non-emergency medical services will be covered, although the co-payment will be higher and there will be a unique deductible for out of network care.

Again, it is highly recommended that you visit with doctors and specialists within your network. In circumstances when this is not possible, you can at least take comfort knowing that you will be offered some level of financial coverage from your insurer.

The exact amount of coverage and the specifics of co-payments and deductibles change from insurer to insurer, and from plan to plan. Make sure that you always compare your options in detail so that you know you are getting the best deal for your needs.

Determining Whether PPO Insurance is Right for Your Needs

There are some simple things to consider that can help you to determine whether a PPO plan is right for you.

  • If you don’t typically require specialist care throughout the year, and you and your family are in good health, then you could save money by going for an HMO plan. While these are less flexible, they are better suited to those who only need occasional or emergency medical care.
  • If you require regular consultations and treatments and have a history of high insurance utilization, then a PPO plan would be ideal. The higher premiums are offset by lower out of pocket costs. The more treatments you receive in a calendar year, the higher your savings will be.
  • If you already have a history with a specific service provider, then a PPO insurance plan can give you the freedom to keep seeing that provider, even if they are out of network.

Compare the Best PPO Health Insurance Plans for 2019 with Mutual Health Partners

The enrolment period for 2019 health insurance begins on November 1st and ends on December 15th. If you haven’t decided on your insurance for next year, then now is the time to start comparing your options.

The licensed insurance experts at Mutual Health Partners can offer you the very best plans based on your current needs and your history. We will help you to find the perfect balance between affordability and coverage for your unique situation.

Contact Mutual Health Partners today to get your essential medical insurance coverage for 2019.