From the course: Managing Your Finances Through a Career Transition or Layoff
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Evaluating insurance plans
From the course: Managing Your Finances Through a Career Transition or Layoff
Evaluating insurance plans
- When considering a new job, you may not be as focused on the benefits package that comes with the position. However, taking a pause to review health care benefits especially if you have more than one job offer is important. Know that health insurance is not a one-size-fits-all proposition. There are so many acronyms that make up your choices. HMO, PPO, POS, and EPO. Let's start with PPO, which stands for preferred provider organization. It's important to know that PPO's, preferred provider organization, premiums are typically much higher than that of a HMO, which stands for a health maintenance organization. But with higher costs comes greater flexibility. In most cases you don't need to select a primary care provider, or PCP, for you and your covered family members in a PPO plan. A PPO also often has a larger healthcare provider list than an HMO because PPOs allow you to get both in-network and out-of-network care,…
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