When it comes to shopping for health insurance in Florida, you will encounter some alphabet soup while shopping. The most common health insurance policies are HMOs, PPOs, EPOs, or POS plans. The type of policy you choose will determine your out-of-pocket costs and which doctors you can see.

While comparing different health plans, look for a summary of benefits. Keep in mind you and your family's personal health needs when searching for a good plan. Take note of the amount and type of treatment you've received in the past. Though it is not possible to predict every medical expense, being mindful of trends can help you make an informed decision.

If you choose to opt for an HMO or POS plan, they typically require referrals. This means you must see a primary care physician before visiting a specialist or scheduling a procedure. This requirement tends to influence people to choose other plans. HMOs tend to be the cheapest type of health plan due to these restrictions.

POS and HMO plans may be better if you don't mind your primary doctor choosing specialists for you when it is needed. One advantage is that there's less work on your end since your doctor's staff coordinates visits and handles medical records.

If you would rather choose your specialists, you might be more comfortable with a PPO or an EPO. An EPO may help keep costs low as long as you find providers in-network; this is more likely to be in a larger metro area. A PPO might be a better option if you live area with limited access to doctors, as you may be forced to go out of network.

Getting the right health insurance for you and your family can be nerve-racking and, as you can tell, quite complicated. Let Mid Florida Agencies help you navigate the waters and get you comprehensive and affordable insurance for you and your family.

So check us out, give us a call at 866-861-8786 and speak to a Florida Blue agent today.

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