It stands for preferred provider organization you can go to any doctor you want and you will have coverage however you will pay less lower deductible lower copay lower cost share if you’re using a Dental Helps preferred provider and generally there’s a lot more doctors in a PPO plan network than in an HMO plan network so if you live in Central Texas which is where a lot of my clients are that’s where.
I am and you want a qualified health plan there are only five companies in that even offer qualified health plans and they are all HMO or EPO plans and we reviewed what that means so they’re all going to be those closed network plans coverage will only be you know in Texas or in Central Texas those will be the only in network doctors and you only have coverage if you’re using an in-network doctor.
I do want to mention that with HMO and EPO plans you do have emergency coverage nationwide so if you’re traveling people always ask what if I’m traveling and I you know something happens if you have a true life-threatening emergency you will have coverage anywhere you are.
it will be covered as if it’s an in-network service however you can’t just go to the doctor because you have a coffin you’re in a different state and expect that to be covered has to be a true emergency emergency room visit now in Central Texas most plans are offered on and off exchange for qualified health plans so on exchange means it’s offered through the healthcare marketplace you can find the plan on healthcare.
gov and if you qualify based on your income you could get a tax credit which is a government subsidy that’s going to help you pay for your health insurance plan and based on your age your income and your household size that’s how they’ll determine how much tax credit you’re eligible for and then your monthly premium due to the insurance company can change accordingly off exchange means that you’re buying the plan directly through the health insurance company or not going through healthcare. Click Here.. https://www.dentalhelps.com/dental-insurance-no-waiting-period/