Health Insurance 2 All

Lockton Benefit Group recently joined the GoHealthInsurance Workplace program to provide consumers across the nation with a convenient online solution to find a quality health insurance plan. More than 15,000 Lockton clients will now be able to leverage the GoHealthInsurance technology used by more than 20 million consumers to obtain the right health coverage.

With GoHealthInsurance tools, Lockton clients will be able to instantly compare health plans from the largest insurers in the nation including UnitedHealthOne, many Blue Cross and Blue Shield companies, Aetna and more. The GoHealthInsurane platform represents more than 10,000 health plans nationwide. Lockton members can also speak with a licensed agent for professional service and advice as they explore coverage options.

When you have a family, one of the most important aspects of providing and protecting them is with the right health insurance policy. Your family health insurance plan should provide all the necessary coverage needed to ensure everyone stays healthy and grows up strong.

One thing that’s a universal truth is that we all sometimes need health care. Whether it’s a just a case of the sniffles or it’s a broken bone, having a family health insurance plan to cover it all is essential.

Which family health insurance plan should I choose? An HMO or a PPO?

So what type of plan should you choose for your family? It depends on your needs. Let’s look at a couple of the most common family plans — HMO plans and PPO plans — and see which plan is best for who. 

HMO family health insurance
HMO plans are good family health plan options because they’re affordable and offer coverage for both routine and emergency care. Check out United Health One Reviews for more information. They do have some restrictions — you only have coverage with in-network doctors and hospitals. But with this restriction comes lower premiums and often no deductible.

HMOs are best for…

• Families looking to save money on their coverage but maintain comprehensive benefits
• Families who don’t require extensive health care provider networks
• Families whose doctors and hospitals already participate in HMO networks

PPO family health insurance

PPO plans are basically HMO plans but with added benefits. For example, instead of being restricted to certain doctors, PPO policyholders can visit any health care provider and still  have some coverage. But keep in mind the trade-off for more flexible coverage is a higher cost plan.

PPOs are best for…

• Families with members who require frequent specialist care
• Families who want fewer coverage restrictions
• Families who are willing to pay a bit extra per month for more added benefits