Question 1

Why do you need health insurance?

Accepted Answer

Health insurance protects you from expensive medical bills. Without coverage, unexpected hospital visits or medical treatments can result in significant out-of-pocket expenses. While no one anticipates illness or injury, having protection in place should be a top priority for both individuals and families.

Question 2

How much does health insurance cost?

Accepted Answer

Health insurance premium costs depend on several factors, including your coverage requirements, deductible levels, and the insurance providers available in your region. FMIG Health works closely with you to understand your specific needs and identify a plan that aligns with both your coverage expectations and financial situation.

Question 3

What is the difference between a PPO network and HMO network?

Accepted Answer

PPO
PPO stands for Preferred Provider Organization.

This means your health insurance provider has preferred doctors within its network who offer reduced costs for both you and the insurer.

You're still able to visit doctors outside the PPO network, though you'll likely pay higher out-of-pocket expenses.

HMO
HMO plans generally feature lower monthly premiums and reduced out-of-pocket costs.

PPO plans usually carry higher monthly premiums but provide greater flexibility, allowing you to see both in-network and out-of-network providers without requiring a referral. Out-of-pocket expenses with PPO plans can also be higher.

First Mutual Insurance Group

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