Read your insurnace policy. It's important that you understand what your kind of plan your premiums are paying for: Co-Payments are flat fees for a specific service, usually a doctors office visit Co-Insurance is cost you share with the insurance company PPOs are Preferred Provider Organizations where a network of doctors who operate with negotiated fees HMOs are Health Maintenance Organizations, also called managed care, and you have limmited freedom of choice in return for lower overall medical cost if you should get sick Transplant Coverage the terms that limit cost during organ transplants by limiting your coverage of doctors that are other than their choosing Lifetime Maximum is the most you can expend per policy, not for every person on the policy. $5,000,000 is standard for a PPO Schedules are price lists of what the insurance carrier will pay for each medical procedure COBRA Coverage Deductibles? Insurance Definitions Medicare Supplement Long Term Care Choosing A Plan Pregnant? HIPPA Plans Craig Casey 3569 5th Ave. Ste 1A San Diego, CA 92103 401k plans IRAs retirement IRA Qualified Plans IRAs distribution PPOs enrollment IRA |