Medical Insurance  << return 

A consumer can buy health insurance for themselves or family coverage without the employer involvement. The individual health insurance has full underwriting and usually takes up to three weeks to be approved.  Request Info.

These are the products options available through various insurance companies (refer to Partners for list of insurance companies):

  • HMO (Health Maintenance Organization)

An HMO is a broad term that refers to any organized plan other than a traditional health insurance company that provides for your health care. Some plans are very tightly structured so that all care is provided by the HMO’s employees in the HMO’s hospitals or clinics, while other plans are cooperative agreements among independent doctors, hospitals and other health care providers.

  • POS (Point of Service)

A POS Insurance Plan is an insurance plan that allows the insured person to choose providers or specialists with the POS plan’s network s referred by their primary care physician, or to self-refer to a provider outside the network. The insured person will receive the highest level of benefits if it uses providers inside the network. With POS health insurance you have greater freedom, but at a higher cost. A POS insurance plan is also called a point of service insurance plan.

  • PPO (Perferred Provider Organization)

A PPO is a managed care organization of medical doctors, hospitals, and other health care providers who have covenanted with an insurer or a third-party administrator to provide health care at reduced rates to the insurer’s or administrator’s clients. Providers in the PPO will provide the insured members of the group a substantial discount below their regularly-charged rates. This arrangement helps ensure that the insurer will be billed at a reduced rate when its insured utilize the services of the “preferred” provider.


Forbes Insurance Services, Inc.