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.


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