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What are the important factors when deciding which policy to purchase? We call those factors, the “drivers”:
• Hospital & Doctor Networks
Choosing from hundreds of plans can be intimidating to say the least. The first thing we tell our clients even before we go through the subsidy application is simply not to stress. Remember you are purchasing MAJOR MEDICAL INSURANCE.
PPO’s and POS will generally have the largest doctor networks, including national access, whereas HMO’s and EPO plans are more local in their coverage, HMO’s requiring referrals to see a specialist.