Types of Individual Health Insurance Plans:

1. Health Maintenance Organization (HMO): HMO plans typically require you to choose a primary care physician (PCP) and get referrals from your PCP to see specialists. These plans often feature lower out-of-pocket costs and premiums.
2. Preferred Provider Organization (PPO): PPO plans offer more flexibility in choosing healthcare providers. You can see specialists without a referral, both in-network and out-of-network, although costs may be higher for out-of-network care.
3. Exclusive Provider Organization (EPO): EPO plans combine aspects of HMO and PPO plans. Like an HMO, you usually need to choose a primary care physician, but like a PPO, you can see specialists without a referral within the network.
4. High Deductible Health Plan (HDHP) with Health Savings Account (HSA): HDHPs have higher deductibles but lower premiums. You can pair an HDHP with an HSA, a tax-advantaged savings account, to pay for qualified medical expenses.
5. Short-Term Health Insurance: Short-term health insurance provides temporary coverage for individuals transitioning between plans or needing coverage for a limited time due to life circumstances like job loss or waiting for Medicare eligibility.

Why Choose AMR Insurance Services?

• Expert Guidance: Our knowledgeable agents will help you navigate the complexities of individual health insurance, ensuring you understand your options and choose the best plan for your needs.
• Wide Range of Options: We work with multiple insurance carriers to offer a diverse selection of individual health insurance plans, allowing you to find coverage that fits your budget and healthcare preferences.
• Personalized Service: We take the time to understand your specific health insurance needs and provide customized recommendations tailored to your situation.