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EPO vs POS Heath Insurance?

At my job we always had two choices of a POS plan (Empire Blue Cross), but this year they're raising the price of my current plan. But they added an EPO at the previous POS rate. What is the difference? Is it better or worse? All I've found out was that with the EPO, if I see a provider out of network, there's no coverage. Other than that what is the difference? I'm considering it because the new price of my current plan is getting out of hand. Thanks!!

   








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Automobile insurance coverage?
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How much does the sr22 insurance in California???
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Car InSuRaNcE!!!!!!!!!!!!!!!?
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I'm looking for affordable health care insurance plan in Texas?
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How do you have a baby without insurance?
alright so im not pregnant yet but my question is how do you get insurance and such when i finally get pregnant


"An insurance company will insure a $260,000 home for its total value for an annual premium of $590. If the com?"
An insurance company will insure a $260,000 home for its total value for an annual premium of $590. If the company spends $30 per year to service such a policy, the probability of total loss for such a home in a given year is 0.001 and you assume either total loss or no loss will occur, what is the company's expected annual gain (or profit) on each such policy? I think maybe 300$?"


Auto insurance question?
what typically happens if ur drivin without insurance and get into an accident that wasnt ur fault...


What debit is insurance expense and what credit is prepaid expense?
On July 1, 2007, Lumas Co. pays $15,840 to Patel Insurance Co. for a 6-year insurance contract. Both companies have fiscal years ending December 31. For Lumas Co. journalize and post the entry on July 1 and the adjusting entry on December 31 to all accounts except cash. Debit Credit July 1 Prepaid Insurance $ 15,840 Cash $ 15,840 Dec. 31 Insurance Expense $ ???? Prepaid Insurance $ ???? what would go where the question marks are?"


Best california car insurance?
Best california car insurance?


What is some cheap car insurance companies?
hey so i'm 18 & i'm looking to insure my car again after letting my brother have ago and he crashed it without being insured, i've been to court & i got a 6 week ban & a fine but im starting to look for insurance 7 i was wondering if anyone knew of any cheap ones to try? cheers"


Family of 4 looking for affordable health/medical insurance.?
the company i work for covers me but not the kids. they are onit now and it costs almost 500 a month. I think thats too much and i know there are insurance that cost less. I just wanted to know if anyone knew the names of some that would be worth looking into.


"I am 17 and looking into purchasing a black 1996 Bmw 328i convertible for $7000, what would my insurance be?"
The car is in my price range, but im just trying to research how much insurance will be. I am 17 have good grades, an Eagle Scout and in National Honor society and my annual mileage would be anywhere from 5-10,000k * I called some auto insurance companies and they said they can't give me a quote until I'm 18, so im just curious"


"I Bought my first car, Its a 2004 Honda Accord, i need information about insurance.?"
I need some info. about the best and the cheapest or the most reliable one i've never had insurance before..pleaaasee tell me where to go, please help."


Best way to deal with a car accident?
i was in a car accident where the vechicle has comprehesive insurance but iam not the policyholder and it may appear i was at fault. I read here that the car will be covered but what about damages to third party. Will the excess that i pay be very high (>$1000-$2000?). Should i get quotes on repairs for both parties (on a mutral agreement) and compare that with the excess charge by the insurance co first? Finally if i do claim insurance will premiums rise for the policy holder even though he was not driving? I know this is alot of questions but this should serve as a good guide.


How much do you pay for auto insurance for teen?
im 17 almost 18 looking to drive soon? how much would I pay if.... -no good student discount -3 cars -1 boat -live with parents under whom which ill have co-sign my insurance for now out of predictions, how much do teens usually pay for auto insurance?"


What is Difference Between insurance and assurance?..?
What is Difference Between insurance and assurance?


What are the pros and cons of purchasing a car and leasing a car. Also how to purchase insurance.?
what are the pros and consof purchasing a car and leasing a car. And how do you purchase insurance?


How to find a living persons life insurance policy?
My friends parents passed away a few years ago in a house fire. The whole house went down, it was extremely tragic. All financial papers were in the house. She knows"" her parents had a life insurance policy out on her"


"When my primary insurance (group) has paid how does my secondary pay? It has a $5,000 deduct. Will any of the bill paid by the primary ins.?"
When my primary insurance (group) has paid how does my secondary pay? It has a $5,000 deduct. Will any of the bill paid by the primary ins.?"


EPO vs POS Heath Insurance?
At my job we always had two choices of a POS plan (Empire Blue Cross), but this year they're raising the price of my current plan. But they added an EPO at the previous POS rate. What is the difference? Is it better or worse? All I've found out was that with the EPO, if I see a provider out of network, there's no coverage. Other than that what is the difference? I'm considering it because the new price of my current plan is getting out of hand. Thanks!!


Where can i get an insurance claim to give to my insurance company for reimbursement?
Where can i get an insurance claim to give to my insurance company for reimbursement?


Who provides cheap car insurance for young people?
I am 19 (nearly 20) and live in Leeds. I have a 2002 1.6 ford focus valued around 4000.00. My insurance at the mo is with Quinn and only 3rd party fire and theft and is 85.00 per month. I have 2 years no claims and want fully comp. Anyone got any idea's where I can get it cheaper? The price comparison sites aren't helping that much, any ideas?"


Approximate insurance cost for vw polo (UK)?
I am 17 and have just passed my driving test.. How high is the insurance likely to be for this http://www.ebay.co.uk/itm/2001-Volkswagen-Polo-1-0-E-5-Door-Metallic-Green-/280730016652?pt=Automobiles_UK&hash=item415cd01b8c#ht_1227wt_1140 ?? Cheers x


Why not drop your expensive insurance and become uninsured?
Let's just say that the government will offer the uninsured insurance for $100/month (I have to guess, because this is never talked about by them""). So"


New HOME OWNERS INSURANCE MAKING ME FIX GUTTERS/SAUFETS/FACIA?
I JUST MOVED TO A NEW HOME..AND HAS NO GUTTERS...ALLSTATE IS MAKING ME (WITHIN 2 MONTHS ) FIX THE GUTTERS ETC... OR THEY WILL CANCEL ME..CAN THEY DO THAT ?


"Does the bank require you to buy flood insurance in antioch, oakley area? (california)?"
Does the bank require you to buy flood insurance in antioch, oakley area? (california)?"


How do you get insurance?
How do you the following insurance Health insurance dental insurance homeowner insurance car insurance life insurance I know health insurance, dental insurance, and life insurance you can get as benefits from your employer. How do you get car insurance and home owners insurance. How much does health insurance pay for if you had to go to the hospital. Do you get medical bills from the hospital for you to pay how much you have to after your insurance pays for most of it."


"Both Canidates say they will make insurance affordable, no #'s are given - what is affordable?"
Both Canidates say they will make insurance affordable, no #'s are given - what is affordable?"


Individual health insurance?
Can you buy two individual health insurance plans? Can you have more than one Health Insurance Plan for your self? I have to buy my own insurance, but even the best individual insurance is crappy and I wanted to now if people ever buy two insurance plans? The insurance i have now only lets me see the doctor twice a year. If I got another insurance plan would it pick up where the other left off?"


How much does child birth cost out of pocket WITH insurance?
I'm just curious because my future brother in law and his wife just had a baby and their out pocket expenses were $7000! Is that normal?


How much is car insurance usually?
thinking about buying my first car soon and im just trying to figure out my financial situation. i know the price can vary but an estimate on how much car insurance is would be nice. thanks


Does anyone know where I can buy affordable motorcycle insurance online?
I guess I should have provided more info... In no way are we trying to scam anyone. He finally finished repairs (lower end and chain) on Wed. and yes he rode it two days w/o ins. I made the mistake of not getting it sooner...and all we wanted was to get the temp. ID card so we could get the bike out of impound before the rate got out of hand.


How much insurance will I need to lease a car?
I want to lease a 2010 car. I want my insurance prices to be low, but who determines what kind and how much insurance I will need. Will my insurance be higher or lower than financing the car? What are some insurance things I SHOULD get once I lease? Any other info you can provide that I will NEED to know will be greatly appreciated! Thanks!"


What's a good way to estimate homeowners insurance and taxes?
Does anybody know a quick way to factor homeowners insurance and taxes into a monthly mortgage? I'm trying to get a rough estimate on the amount I can expect to pay monthly on a new condo. The condo's valued at $64,000 and is located in the medical center area in Houston, if that's any help. Thanks in advance!"


You experience and opinion of pet insurance?
We have a new dog and never used the pet insurance before with our older dog. I am wondering if it worth the expense, long term. I know that with any insurance you don't see immediate returns but wondering if the expensive generally adds up to what a general vet bill would be anyway. Any companies better or worse that another?? Overall thoughts or opinions?"


EPO vs POS Heath Insurance?
At my job we always had two choices of a POS plan (Empire Blue Cross), but this year they're raising the price of my current plan. But they added an EPO at the previous POS rate. What is the difference? Is it better or worse? All I've found out was that with the EPO, if I see a provider out of network, there's no coverage. Other than that what is the difference? I'm considering it because the new price of my current plan is getting out of hand. Thanks!!


Motor insurance policy q2?
hi contemplating on making a second claim. how does this effect my renewal premium? situation is the policy holder had an accident where the third party was at fault and this claim was dealt with few months ago. now a named driver had a piece of metal flung at the car. the excess is only 50 and estimated cost to repair independantly 150-200. but i'm not sure how much premiums usually go up by? if for example making a second claim bears not much difference as a claim has already been made then I might as well do it through insurance. If making a second claim bumps up the renewal considerably higher then maybe I should just pay 150-200 GBP by independant garage and save on my premium?


What is the cheapest Michigan Motorcycle Insurance?
I've been searching around and am unsure of which company is actually cheapest. What is average, and what is the cheapest for a 26 year old?"


"Rear-ended, can I ask car insurance to compensate for inconvenience of not having a car?"
Got rear-ended in NJ by a woman and my car was determined a total loss. Her car insurance took over a week to come to a decision that they would take 100% liability for the accident. They made me an offer for the dollar amount of value of the car which was honestly more than what I thought the value was going to be. I have 2 questions... Can I ask for compensation for the inconvenience of not having a vehicle during the time that they were making their decision? And two, I went to the hospital after the accident but haven't received the bills from that yet. If I accept their offer for the damage done to the car can I still get reimbursed for my medical bills later?"


How does coordination of benefits work with health insurance?
I was planning on dropping my employer plan and getting on his since it's cheaper and has better coverage. His employer plan, little did I know, is retroactively applied to the date of our marriage which was before i got pregnant at the beginning of this year. So over the course of my pregnancy and birth of my son, I am now covered date-wise by both policies. So I wondered (since his is secondary whether it be because in fact is birthday is after mine or since my employer plan is paid for by me and my employer) if his plan would pay some of my remaining bills due after my primary plan has paid benefits."


"If you sell a house on land contract, who pays the home insurance?
We have no contract yet on it as I am in the first stages of deciding to land contract house to my renters.


Car Insurance and driving other cars?
So I have a question - most of you will laugh at me lol. My policy says I can drive any other vehicle as long as I have the drivers permission. BUT I watched an old episode of Cops today and I thought they said that if you aren't a named driver, it's illegal.. So... My question is simple. Can I hop I to say my dad's car and drive it or do I have to be a named driver on his policy? Good grief I've managed to confuse myself even more... Much love to the brilliant person/people that wade through my confusion and clear this up for me "


Approximately how much is Home Owners Insurance?
I'm sure it varies by location and value of the house, but approximately how much is homeowners insurance?"


"Learner drivers, what litre is your car and how much do you pay insurance?
pointless answering without telling me the litre.... i wanted to see the price difference


"I cant afford health insurance ,what can I do ?"
I cant afford health insurance ,what can I do ?"


Full time student question for health care insurance coverage?
I'm a 22yr old student receiving health coverage through my parents employer. I registered for 12 credits in the winter semester, but something came up and I withdrew from the semester. I paid all of the credits and didn't receive any tuition back. Right now I'm taking a full schedule worth of summer classes to try to make up for the lack of credits in the winter for insurance. But I was wondering if, on average, insurance is still covered as long as a full semester of courses is PAID for, but no credit is received."


Is the insurance company notified when you get a speeding ticket?
I got a speeding ticket for going 55 in a 45 and was just going to pay it so my parents wouldn't find out because I'm on there insurance. I no we are with USAA and i don't want them to find out about the ticket. Will they some how find out?


MA Health Insurance for young married couple?
I will be married in a year, and probably lose my health insurance at 24. My fiance is coming but neither of us have full time jobs yet. What are our options for health insurance, that are affordable? Assuming neither of us have full time jobs yet. Thanks! : )"


"Can my wife be covered under new insurance, if she is 4 months pregnant?"
I am enrolled in Aetna PPO (family plan) Insurenace with my present employer. In 2 weeks I will be starting at a new job, where health coverage is provided/starts the first day of employement. The new insurance will be United Health Care PPO Family Plan. Since my wife is 4 months pregnant, will she be covered under the new insurance? (Keep in mind that she is enrolled in my current Aetna insurance, so she has had prior coverage)"


To HOLD a California Drivers License is it required to have insurance?
Argument with a coworker


Can I buy motorcycle inssurance and not have parents know about it?
I'm 22 I live in my own apartment but my parents pay car insurance can I get a seperate insurance for a motorcycle and not have my parents know about it, also my friend who rides said bike insurance can be very cheap I just want minimum coverage how much would it be, thx!"


EPO vs POS Heath Insurance?
At my job we always had two choices of a POS plan (Empire Blue Cross), but this year they're raising the price of my current plan. But they added an EPO at the previous POS rate. What is the difference? Is it better or worse? All I've found out was that with the EPO, if I see a provider out of network, there's no coverage. Other than that what is the difference? I'm considering it because the new price of my current plan is getting out of hand. Thanks!!