Health Insurance Terms by Probity Insurance-San Jose California


	Individual Health Insurance Individual Health Insurance Plans Individual Dental Insurance Individual Life Insurance Family Health Insurance Healthy Families Program Short-Term Health Insurance Travel Health Insurance Individual and Family Health Insurance Categories
	Health Maintenance Organizations HMO Preferred Provider Organizations PPO Point-of-Service Plans POS Health Savings Accounts HSA Indemnity Health Insurance
	Individual Health Insurance We offer a wide range of Individual health insurance plans with a variety of coverage options and pricing structures. Individual Health Insurance Plans Private health insurance plans include health maintenance organization (HMO) plans, preferred provider organization (PPO) plans, point-of-service (POS) plans, indemnity (fee-for-service) health insurance, and health savings account (HSA) plans. Plans vary in cost and in the degree of choice you are offered. If you want to choose your own doctor and hospital, your plan will tend to be more expensive. It is important to compare quotes from several health plan types and companies. Individual Dental Insurance Two types of individual dental plans are standard: HMO dental plans and PPO dental plans. With an HMO plan, you select one dentist or dental group to take care of all your dental care needs. With a PPO plan, you choose from a sizeable list of dentists in your area. An alternative to HMO and PPO plans is the discount dental plan. This is not dental insurance, but it allows you to go to a number of dentists at a significant discount from their standard fees. Individual or family dental plans offer premiums that are generally affordable, with rates determined by the type of plan you select. Individual Life Insurance Life insurance gives your family protection and peace of mind. It's also fairly inexpensive. In just minutes you and your family can enjoy peace of mind for the next 10, 15, 20 or even 30 years. Please contact Probity insurance Services for quote. Family Health Insurance Family health insurance and individual health insurance plans are the same, but when you are including your family, there are a number of factors to consider. You should evaluate whether switching from an employer-sponsored plan will save you money. Or if just moving some of your family members to a family plan will help. You should also get quotes from several family health insurance plans because the chances of being turned down are greater when you add more people to your application. Healthy Families Program (State of California Sponsor) The Healthy Families Program provides health, vision, and dental coverage at a low cost to children who do not have insurance and do not qualify for Medi-Cal. If you have a child living in your home and you are a stepparent, legal guardian, foster parent, or caretaker relative, it will be the parents’ income, not yours, that will determine eligibility. You choose the health, vision, and dental plans that will cover most of your children’s costs for visits to physicians, eye doctors, dentists, and specialists. The plans also cover most of the costs of hospitals, clinics, pharmacies, and laboratories. Short-Term Health Insurance If you are a student or have a gap in coverage due to changing jobs, short-term medical insurance will cover major hospital, surgical, and medical expenses for covered illnesses or injuries. This includes out-of-hospital care, in-hospital services, hospital room and board, surgical services, anesthesia services, and miscellaneous hospital services, subject to any limitations outlined in the policy such as deductibles or rate of payment provisions. All short-term health insurance policies have an expiration date that you choose when you apply. With some plans, a monthly billing option allows you to terminate coverage before the expiration date. Travel Health Insurance While most individual and group health plans cover travel within the U.S., most do not cover you when traveling outside the country. Travel health insurance is available at a very low cost to help you enjoy your travels without worrying about unexpected medical bills. Individual and Family Health Insurance Categories
	Health Maintenance Organizations (HMO) You choose a primary care physician from the HMO’s network of providers and have access to expanded medical services through that physician. Preferred Provider Organizations (PPO) PPOs allow greater choice than HMOs. You don’t have to choose a primary care physician, and you can go outside the network. But the plan's cost structure encourages you to use its own providers. Point-of-Service Plans (POS) POS plans combine some of the flexibility of a PPO with the savings offered by HMOs. With a POS plan you must choose a primary care physician from within the health care network to monitor your health. This physician can then refer you outside the network but at a reduced rate of compensation. Health Savings Accounts (HSA) HSA's help you save on taxes by combining special savings accounts with high-deductible health plans. You make tax-free contributions to your HSA and then use the funds to cover co-pays and deductibles for qualifying medical services. Indemnity Health Insurance With an indemnity plan you can use any doctor or hospital you wish. Usually you pay up front and are then reimbursed by the insurance provider.
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