Poochie there are many great folks you can talk to that will explain those plans. Your pharmacist or your nurse at the MD office. Try to keep in mind when you pick a plan that you want a plan that covers the people you see most. you dont need a dentist if you have dentures, so why pay for dental? You dont need OB care if you are done having babies so why pay for that part?

HMO means you see THEIR MDs and only their MDs. you will need permission to see a special MD like a neuro, or dermatology guy. EVERYTHING needs pre approval, but those places tend to have lower rates and are more affordable for those without many health conditions. I always say an HMO is a great place for wellness care. yearly checkup, routine care and such.

If you are sick or riddled with issues, you may wish to pick another type of plan. One that doesnt have a gate keeper to ask for permission should you want a wart looked at, or a mole checked. The upfront cost tends to be higher, but it gives you a wider range of places to go be seen. You can usually pick most any MD that will accept that plan. ASK UPFRONT if they take your insurance or you may be stuck with a bill.

Please dont navigate this alone, please find someone you can trust to help explain it to you. A pharmacist is a good person if you can pop into the local drug store. They are free and knowledgeable.