School has started and it is time to learn how your existing insurance will pay where your student is attending classes. And, let’s not forget to include in our thoughts the idea of a class trip or a study abroad program. I am referring to the “network” of providers that your health insurance may have.

Typically there are three choices of provider networks. They are referred to as PPO (Preferred Provider Organizations), POS (Point-of-Service) and HMO (Health Maintenance Organizations). These have been listed in the order of greatest to least access. That also means that the premium for the greatest access is obviously higher than the option with the least access. Many of the plans that I represent also include world-wide coverage.

I have always been a proponent of access as it is vital in a life threatening situation. To offset the cost of this luxury, one can opt for higher deductibles. An HSA (Health Savings Account) will offer some tax benefits and allow one to save for the catastrophic events that could lie ahead.

I encourage you to call me. 515.285.6766

Let’s discuss your needs, wants and budget and find a product that best suites your needs. I would not want you in a position where you cannot access the providers you need or want in a crisis.

To have a surprise of high or not covered expenses can be resolved ahead of the event with some simple planning.

I am including an article from the Kaiser Family Foundation for your reference.