hospitalization. It was now time to sit down and figure which health insurance plan was going to fit my current lifestyle.

Where do I start? Being “tech” savvy, the first place I looked was the Internet. I was overwhelmed by the amount of health insurance information out there. There were so many options; HMO, PPO, Point-Of-Service and Indemnity. Each of the different health plans has its pros and cons. It’s a matter of finding which one fits your needs. I was fortunate to run across an article titled, “Health Plans- What’s the Difference”

The article laid out very simply the basic differences in the health plans. I was mainly looking for the differences between an HMO and PPO
- HMO: Low cost, easy/simple paperwork, physician refers you to specialists.
- PPO: Costs more, greater flexibility in the doctors you can see.
After careful thought and research I decided to go with the HMO plan that was being offered by my employer. It meets all my medical needs and so far has been a pretty good choice.

I would highly recommend visiting InsWeb’s Learning Center to read more of the informative articles they have regarding health and other insurance services.