I find a lot of our clients don’t understand how their health insurance policy works so today I would like to shed some light on what it all means.

Most health plans in today’s market are PPO plans. A PPO plan means that you can go anywhere in your insurance companies physician network without a referral. It used to be that you needed to name a primary care physician and that doctor would have to refer you to see a specialist, but now you are able to call and make an appointment with any specialist in the network that you wish.