...Types of Health Insurance Products

• Health Maintenance Organization (HMO) Plans: HMOs are usually the most affordable health insurance plans, but the affordability is off-set by many restrictions.
   
• Preferred Provider Organizations (PPO) Plans: Choose your own physician with a PPO. There is flexibility in deductibles charged, but out-of-pocket costs are higher.
   
• Point of Service (POS) Plans: This type of plan is a combination of HMO and PPO plans. Choose your doctor and you may not have a deductible.
   
• Self-Directed Health Plans (SDHP): This type of plan is a good way to cover preventive care if you normally don’t go to the doctor often, and may be combined with a high-deductible PPO.
   
• Health Savings Accounts (HAS): Also paired with a high deductible plan, this program allows you to save tax-free money to cover initial expenses.
   
• Prescription Plans: Many plans offer prescription benefits to offset this increasing medical cost.
   
• Small Group Solutions: Employers who want to retain quality employees know that a solid, comprehensive health insurance plan is an important part of a benefits package.