Benefits 101: What is a referral? A referral from your primary care physician may be required by your health insurance plan for specific treatments from a specialist doctor. Not all types of treatment require you to have a referral, and not all health insurance plans require referrals. If you’re not sure whether a referral would be required in your situation, you can look at your health plan document.

What is a POS health plan? It is one type of health insurance plan. “POS” stands for “Point of Service,” meaning that you can choose a health care provider right when making an appointment. Depending on your health care needs, the POS plan allows you to select an “in-network” provider or “out-of-network” provider of your choice. For example, you might have a primary care doctor who is in-network, but an out-of-network chiropractor. POS health plans usually cover your care from in-n...

Yesterday, President Donald Trump issued an Executive Order (EO) that directs the Departments of Treasury, Labor, and Health and Human Services to review and potentially revise previous guidance concerning several matters related to health insurance plans. At this time, no Affordable Care Act (ACA) regulations are affected. (NAHU) The Agencies would need to take regulatory action before any ACA policies would change.

What is an HMO? It is one common type of health insurance plan. HMO stands for Health Maintenance Organization. This type of plan not only pays for major health events in your life, but also focuses on health maintenance, wellness, and disease prevention. How is it different from the other types of health plans? How do you choose what is right for you?

What is a health insurance plan? Consider this your health benefits 101. What is a health insurance plan? Your health insurance plan is a contract with rules between you and your health insurance company. It is sometimes called a health insurance policy or health plan. A health insurance plan is essentially an agreement that requires an insurance company to pay for some or all of your health care costs. You agree to pay premiums to the insurance company in exchange for being insured. If y...