PPO Health Insurance
”PPO” stands for Preferred Provider Organization. PPO’s allow you to see any network doctor Without a Referral. You can also go out of network without a referral, yet you will pay more. PPO’s offer you freedom of choice



HMO Health Insurance
“HMO” stands for Health Maintenance Organization. HMO’s require you to stay within your network and to get a referral from your primary care doctor in order to see a specialist. It usually has the lowest co-pays for Doctor Visits, Hospital, Emergency Room, and Outpatient Surgery. Yet, you have NO Out-of-Network benefits.


POS Health Insurance
”POS” stands for Point of Service. POS plans are just like HMOs except they include Out-of-Network benefits. The Out-of-Network benefits have higher co-pays.


Health Savings Accounts
"HSA" stands for Health Savings Account. HSAs allow consumers to pay for qualified medical expenses with pre-tax dollars—meaning income-tax free—and save for retirement on a tax-deferred basis. An HSA is tax-favored savings account that is used in conjunction with a high-deductible HSA-eligible health insurance plan to make healthcare more affordable and to save for retirement.


Short Term Medical Insurance
These plans offer you coverage for a set period of time from 1-12 months. It is perfect for college students, people between jobs, or those waiting to get benefits from their current employer.