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Medical Insurance
When it comes to purchasing medical insurance, like dental insurance, there are 4 basic categories from which to choose from:
  • HMO
  • POS
  • PPO
  • Indemnity

HMOs are the least expensive and most common type of medical insurance plan, while Indemnity medical insurance plans are the most expensive. HMOs offer restrictions that prohibit you from accessing as much health care as an Indemnity plan which allows for a far greater degree of flexibility and freedom within the plan.

Medical insurance can help cover policyholders from charges incurred from any of the following healthcare related treatments:

  • Routine / preventive healthcare
  • Diagnostic services
  • Therapeutic / rehabilitative services
  • Mental healthcare
  • Prescription related services; drugs / equipment / devices



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