Find the New Hampshire Health Insurance Plans Right for You
New Hampshire health insurance plans are available in various forms but most health insurance packages can be found in one of three main categories. These plans include Health Maintenance Organization (HMO) plans, Preferred Provider Organization (PPO) programs and Indemnity plans, each with its own requirements, benefits and restrictions. Each of these plans offers acceptable levels of health coverage for most consumers, but the plans differ in restrictions, coverage, approved health providers and premium rates.
In an HMO, only health services received from a network-affiliated health care provider will be included in the plan, and all specialized care must be referred by your primary physician in order to be reimbursable. In a PPO plan, health care is covered at a higher percentage when you use a network provider with discount network rates, but you may also use out-of-network providers and receive a lesser reimbursement of your expenses. With an Indemnity coverage plan, you may use any health care provider you wish, and you will have coverage for a set percentage reimbursement of your health care expenses. Out of these programs, HMO plans will have the least expensive premium rates, while Indemnity plans are very comprehensive and are priced at the highest premiums.
When selecting between an HMO, PPO or Indemnity plan, you should first determine whether your preferred physicians, labs and hospitals are included in the HMO or PPO health provider network. Next, you should determine how much freedom you would want in choosing specialists should you need these services. Finally, you will need to consider the trade-off between having more freedom in choosing physicians, labs and hospitals versus the significantly increasing premium prices associated with having more choices.