Get More Benefits &
Save More! Call For
More Info Today

    Step 1 of 8

For Individuals

We offer many individual health plans options to select from. We offer plans that are customized to suit your budget and needs. You can choose from a pool of affordable insurance options from top carriers in the country. With individual insurance, you can access preventative health care and save money on prescriptions and doctor’s visits. Get a customized individual health insurance plan in just a few clicks!

For Families

Finding the right insurance for your family is one of the most important decisions you can make. We offer a wide range of affordable insurance plans from leading insurance firms from which you can choose. Finding the ideal family insurance plan for your loved ones does not have to be complicated. We offer customized quotes that suit your family needs and budget. Fill in the form to get your customized quote!

For Groups

Health Insurance Plans offers a wide array of group health insurance options for both small and large companies. We customize our products to meet the needs of your business and help you find an insurance plan that is both cost effective and prioritizes the wellbeing of your employees. Make the most of the numerous, affordable and top group health insurance plans. Get your quote from Health Insurance today!

PPO Insurance Plans

PPO plans, or “Preferred Provider Organization” plans, are one of the most common types of plans in the Individual and Family market. PPO plans enable you to visit whatever in-network doctor or healthcare provider you wish without first requiring a primary care physician referral.

How Does A PPO Plan Work?

PPO Insurance Plans


As a member of a PPO plan, you will be encouraged to use the insurance company’s network of preferred doctors, and you typically won’t need to choose a primary care physician. No matter which healthcare provider you select, in-network healthcare services will be covered at a higher benefit level than out-of-network services. It’s significant to check if your provider accepts your PPO insurance, so you receive the highest benefit coverage.

You will perhaps have an annual deductible to pay before the insurance company starts covering your medical bills. You may also have a copayment of approximately $10 – $30 for certain services or be required to cover a certain percentage of the total charges for your medical bills.

A PPO insurance may be appropriate for you if:

  • You want the freedom to select almost any medical facility or provider for your healthcare needs
  • You want a portion of out-of-network claims to be covered by your insurance company.
  • You don’t need to get referrals before visiting a specialist

PPO vs. HMO Insurance

In contrast to PPOs, HMO plans necessitate participants to receive healthcare services from an assigned provider—a primary care doctor who coordinates the insured’s care. Both programs allow the insured to seek a doctor’s care. Nevertheless, under an HMO plan, the designated primary care physician must provide a referral to a specialist.

PPO insurance plans charge higher premiums than HMOs for the convenience, accessibility, and freedom that PPOs offers, like hospitals and doctors’ comprehensive selection. Plans with the lowest/fewest out-of-pocket costs, such as those with low deductibles and low copayments, have higher premiums. The elevated premium cost is due to the insurer absorbing more of the associated expenses. Conversely, lower-premium alternatives translate into higher out-of-pocket costs for the insured and lower prices for the insurer.



PPO plans are also more comprehensive concerning coverage, as well as many services that other managed-care programs might exclude or for which they would charge an extra premium.

Historically, PPO plans were the favorite choice among employer group participants. However, currently, participants want more options for managed healthcare. Thus, many groups offer HMO plans, as well. Since HMO premiums are less expensive, some participants favor HMO plans for their affordability, although services and freedoms usually associated with PPO plans are often restricted.

Resources and References:

Speak Directly to a Licensed Agent

(833) 572-0898


What our
Client Think About Us!

The process was easy and seamless. My contact person was very supportive and patient with me. He took time to respond to all my queries, and explained the options at my disposal. I got all the information I needed to choose and sign up for my current insurance plan. I would definitely recommend National Health Connect!
Linet W.