Health Insurance in Las Vegas, NV
Staying on top of your health is essential to your well-being, but the cost of medical care can add up quickly. Fortunately, health insurance may help offset expenses and make it easier to pay for the care you need.
Which Health Insurance Should I Get? 
Several types of health insurance plans are available, and you have various options for getting coverage.
Many people receive insurance through their employers, often at lower rates through group plans. Others shop for plans on the Health Insurance Marketplace, which offers the flexibility to select coverage that aligns with individual preferences.
No matter how you sign up, learning the basics of common health insurance plans is good. Your choices may include the following:
- Health maintenance organization (HMO)—These plans require choosing a primary care physician who coordinates your general care and refers you to specialists when needed. HMOs typically come with lower overall costs but may limit which providers you can see.
- Preferred provider organization (PPO)—These plans give you more freedom to visit out-of-network providers, although you’ll usually pay more when you do. PPOs often include higher premiums and deductibles in exchange for increased flexibility.
- Point of service (POS)—POS plans blend features of HMOs and PPOs. You pick a primary care doctor, like with an HMO, but also have the option to get care from out-of-network providers.
- Exclusive provider organization (EPO)—EPOs offer another hybrid model. You don’t need to choose a primary care physician or get referrals, but you’ll generally be limited to providers within the plan’s network.
We’re Here to Help
The agents at Goh Insurance & Tax know health insurance can be challenging to navigate. We’re here to walk you through your options and help you find a plan that fits your situation. Contact us today to get started.