Comparison of Typical Health Plans - Fidelity Asset Mgmt @ Fidelity

Fidelity Asset Mgmt @
Fidelity Bank
William P. McAndrew
Senior Vice
President/Finanical Advisor
Located at Fidelity Bank
101 N Blakely Street
Dunmore, PA 18512
570-504-2207
570-504-2206
[email protected]
www.fidelitybankinvestments.com
Comparison of Typical Health Plans
October 24, 2016
Page 1 of 5, see disclaimer on final page
Comparison of Typical Health Plans
October 24, 2016
Page 2 of 5, see disclaimer on final page
Health
maintenance
organizations
(HMOs)
Point of
Preferred
service (POS) provider
plans
organizations
(PPOs)
Traditional
insurers
Free choice No. Treatment
of
by physicians
physician? outside of the
network is not
covered.
Yes, but
treatment by
physicians
outside of the
network is
covered at a
lower level.
Yes, but
Yes
treatment by
physicians
outside of the
network is
covered at a
lower level.
Co-payment Minimal
or
coinsurance
required?
Yes. Typically
higher for
non-network
care.
Yes. Typically
higher for
non-network
care.
Yes. Generally
20% for
medical and
hospital
services.
Deductible
required?
No deductible
for network
care.
Yes. Typically
higher for
non-network
care.
Yes. Some
plans offer a
choice of a
higher
deductible for
a lower
premium, or
vice versa.
PCP must be
consulted
before seeing
specialists
within the
network; no
PCP for
non-network
care.
No
No
No
Required to Yes
consult a
primary
care
physician
(PCP)
before
seeing a
specialist?
Emergency
care
covered?
Emergency care Varies from
by non-network plan to plan.
physicians may
be covered.
Definition of
"emergency" is
often very strict.
Limit on
Usually no, but
out-of-pocket you are typically
Usually yes,
your
Generally
Yes
provides the
best coverage
for
emergency
care by
non-network
physicians.
Usually yes,
your
October 24, 2016
Usually yes,
Page 3 of 5, see disclaimer on final page
your
October 24, 2016
Page 4 of 5, see disclaimer on final page
Registered Representative of INVEST Financial Corporation, member FINRA/SIPC.
INVEST and its affiliated insurance agencies offer securities, advisory services and
certain insurance products and are not affiliated with Fidelity Asset Management
Services or Fidelity Bank. Products offered are: • Not FDIC insured • Not Bank
Guaranteed • May lose value including loss of principal.
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Fidelity Asset Mgmt @
Fidelity Bank
William P. McAndrew
Senior Vice
President/Finanical Advisor
Located at Fidelity Bank
101 N Blakely Street
Dunmore, PA 18512
570-504-2207
570-504-2206
[email protected]
www.fidelitybankinvestments.com
Page 5 of 5
October 24, 2016
Prepared by Broadridge Investor Communication Solutions, Inc. Copyright 2016