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    How to choose the right health insurance policy after graduation

    Valbona Bushi

    Issue date: 4/17/09 Section: News
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    Earlier we explored all the different types of insurance. One of the most important insurance policies you carry is your health insurance, and there are a lot of options under this umbrella. If you are currently covered under your parents' health insurance, remember that this coverage does expire the earlier of you turning 23 or graduating college, so take advantage of it while you can.

    Most policies are offered at work or school. As you compare policies, consider deductibles and the coverage. Here are the several types of policies available that offer basic coverage, which includes hospital, surgical, and physicians' expenses. Many plans also cover prescriptions and mental health services:

    HMO (Health Maintenance Organization) - This is usually the least expensive, but also the most restrictive. You are assigned to a primary care physician, who acts as a gatekeeper to other health services. The HMO itself has to permit certain treatment and can rule against your doctor if it thinks the treatment is too costly. This covers only those services provided by doctors within the networks. There's usually a fixed fee plus small co-payments.

    PPO (Preferred Provider Organizations) - There is no need to pick a primary care physician and you can go to any provider in the PPO's list. Some providers do require a larger co-pay, but you have the flexibility and choice. However, there is usually a pretty good financial reason to stay within the network. This is usually a fixed fee with small co-payments on office visits.

    POS (Point Of Service) - These combine characteristics of the HMO and PPO, where a primary care physician is responsible for all referrals within the network, but lower coverage is provided outside of the network.

    EPO (Exclusive Provider Oganizations) - Nearly the same as PPO but they don't provide any coverage for non-network care.

    Fee for service - The most expensive, allows you to go to almost any provider and covers almost anything that is medically necessary. You don't have a primary care physician who has to approve visits to specialists.
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    In This Issue


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    • Despite recession, Case optimistic about incoming freshmen enrollment
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    • How to choose the right health insurance policy after graduation
    • Meet the Provost: providing answers to tough questions
    • USG � BRIEF


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    • Spartan Spotlight: Angel Rice
    • Track & Field: Last stop before UAAs: Lynchburg

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