5 Benefits of Separate Health Insurance: Why You Need It

Your health management organization (HMO) plan works by giving you access to a network of healthcare providers, including doctors, hospitals, and other medical professionals, who have agreed to provide services to the members of the HMO at negotiated rates. While it’s great as an employment benefit, you’ll realize that as you get older, your HMO plan may not be enough to cover your needs.

Here are some reasons why you need health insurance, and benefit from a separate health insurance policy altogether.

As you explore your options, there are also a couple of things you should keep in mind. First, you need to make sure that the two policies are compatible. You don't want to end up in a situation where you are double-covered for the same expenses. And second, you need to make sure that you understand the terms and conditions of both policies so that you know what is covered and what is not. Click here to know more about what’s best for your health care needs.