Premiums and plans differ, but most come with a strong correlation between cost and convenience, said Luscavage, the employee benefits expert.
PPO health insurance plans offer the most flexibility, but “it’s like shopping at a convenience store. … Goods are more expensive but quickly accessible. On the other end of the spectrum, you have the HMO — larger, more complex, more time-consuming but cheaper. And there are other plans that lie between — EPO, POS, HDHP — to meet the needs of customers.”
So, it’s important to spoon through the alphabet soup of plan types to find the plan that best fits your medical needs.
The holidays are a time of love and giving, but not necessarily of honesty. In…
Small, routine expenses and paying too much for major monthly bills can add up quickly…
Savvy shoppers might be the masters of coupon cutting and buying on a budget, but…
You're supposed to live as freely as possible in retirement. That's harder to do when…
There are many good reasons why sometimes doctors hide the truth from their patients. One…
Some gifts may as well come with a card saying "I didn't put much thought…