If there's one thing that we can all agree about, it is that health is our biggest asset. Without it, you can't do anything. If you reside in West Virginia, you may want to consider protecting yourself with health insurance from Pinnacle Risk Advisors LLC. Take a look at these popular plans you can choose from.
This is one of the most common coverage plans that employers get for their employees. With this plan, employees are required to use a specific network of hospitals and doctors for their medical care needs. One of the benefits of this plan is that an employee can easily see a specialist without getting a referral from their primary care physician. And you can still choose to work with a doctor outside the network, but that may come with extra expenses.
Next up, we have the HMO plan. It offers various healthcare services through a specific network of caregivers. In an HMO plan, the policyholder has to choose a primary care physician and get a referral from them when they want to see a specialist. This plan comes with broader coverage than most policies.
This is a mixture between PPO and HMO. POS gives you more options than HMO. In this plan, you choose a primary care provider, and you'll also need a referral when you want to see a specialist. Its primary benefit is that you have the freedom to select hospitals and doctors, including those not listed under your health plan's network.
These are the major plans you may want to consider when purchasing health insurance in West Virginia. At Pinnacle Risk Advisors LLC, we can help you navigate the various health insurance options you can get. Visit us and let us safeguard your health and finances.