HMO plans require you to choose a primary care physician and receive referrals to see specialists. PPO plans give you more flexibility to see any provider in-network without needing a referral.
The maximum coverage limit for health insurance plans varies by plan. We can explore the different options when you contact us for a quote.
Since we represent numerous carriers, the claims process may vary with each carrier. It is usually best to contact your carrier directly (on their website, or call their customer service team) to make sure you are following their claims process. If you need help locating your carrier's contact information, we can help you get in touch with them.