Health Insurance for Individuals
Health insurance for your journey now and future
Health Insurance for Individuals
Health insurance for your journey now and future
Health Insurance tailored for you!
You’re not just a number. Your healthcare needs are personal, and you need a plan that fits your life and budget. At Tezana Insurance, your health comes first.
With so many healthcare plans and options to choose from, we know how challenging it can be to find the plan that meets you where you are now. And that’s why Tezana Insurance is so dedicated to helping people and families in the Los Angeles area to connect with the right doctors, specialists, and hospitals to ensure they get the best available care.
Health insurance is a vital part of your day-to-day life, even if you are in good health. Health events can happen anytime, and your healthcare insurance is a crucial tool that helps you connect with the right care team without creating a devastating financial burden.
There are many healthcare plans to choose from, and it can be confusing to sort through the networks, doctors, benefits, and costs to find the best plan for you. Tezana Insurance believes in creating relationships of trust and ensuring that our clients find care that improves their quality of life and helps them maintain better health long-term.
When looking for health insurance, balancing cost and care is key. That’s why it’s important to be able to compare plans and companies to ensure you get the most for your money. And if you need assistance down the road to understand the components of your plan, such as premiums, benefits, and more, we’re here.
As you begin your search, it’s essential to consider the type of plan that is right for you. Health insurance companies offer HMO, EOS, POS, and PPO plans. Let’s take a look at each of these plan types.
Health Insurance Types For Individuals:
HMO or Health Maintenance Organization (HMO)
HMO or Health Maintenance Organization (HMO) plans tend to be more affordable, providing you access to certain doctors and hospitals within its network. The network includes providers that have come to terms in lowering rates for plan members while meeting quality standards. Unlike PPO plans, the care provided is only allowed from within the HMO’s network. There are few options to see a non-network provider, but there are also typically more restrictions in regards to coverage in contrast to other plans, for example a fixed number of visits, tests or treatments.
- Certain plans require the selection of a Primary Care Physician (PCP) who ultimately determines your treatment.
- Other plans might require a PCP referral to see a specialist or to have specific tests done.
- Opting to see a doctor or specialist which resides outside of the HMO network provides no coverage leaving you to pay the entire cost medical services provided.
- Provides preventive health care services with no deductible.
- Premiums are generally lower for HMO plans which usually consist of lower deductibles.
Preferred Provider organization better known as PPO
Preferred Provider organization better known as PPO plans allow you to use any network, in-network or out-network providers. The latter option will incur an increased out-of-pocket cost with a percentage of the medical services offered being covered under your plan. One advantage that stands out in comparison to its HMO counterpart is that there is no PCP provider that needs to be pre-selected, however you might be required to meet a deductible before coverage kicks in.
- Managed care plan where services are covered only if you go to the doctors, specialists or hospitals in a plan’s network, excludes emergencies.
- No need for referral to see a specialist.
- Lower negotiated rate in contrast to HMO and PPO Plans
Exclusive provider organization (EPO)
Exclusive provider organization (EPO) plan is subject to only offer in-network benefits. Specifically, the health care plan only permits the use of selected hospitals and providers to be eligible for coverage. If you receive health care services outside of your assigned network, you would be responsible for the full amount of the incurred costs.
- Certain plans require the selection of a Primary Care Physician (PCP) who ultimately determines your treatment.
- Other plans might require a PCP referral to see a specialist or to have specific tests done.
- Opting to see a doctor or specialist which resides outside of the HMO network provides no coverage leaving you to pay the entire cost medical services provided.
- Provides preventive health care services with no deductible.
- Premiums are generally lower for HMO plans which usually consist of lower deductibles.
Point of service (POS )
Point of service (POS ) plan combines features from HMO and PPO plans. Similar to an HMO plan it requires the prior selection of a primary care physician (PCP). The plan allows for out-of-network provider services however you may be billed for 100% of the costs leaving you with the responsibility to seek a percentage of the reimbursement for the rendered services from the insurance provider.
- Preventive healthcare services may be covered without meeting your deductible.
- Out-of-network service could be billed at 100% if the insurance provider does not offer a referral.
“We’ll get you the best health insurance at the best price!”
Getting you the best health coverage is our mission