Health Insurance

Key points you should know about your health insurance:

How health insurance works

Health insurance basics

When you have health insurance you share the cost of your healthcare with your insurance provider. This will continue until a certain point when you hit your our-of-pocket limit. Once you hit this limit, health insurance will pay 100% of your health care costs.

The features of your plan are your deductible, your copayment, your coinsurance, and your out-of-pocket limit. Click any of the links to learn more about each of these features and what they mean.

There are two main types of health insurance 

HMO: Health Maintenance Organization

You will need to choose a primary care physician (PCP) that is in-network for an HMO plan. Your PCP will arrange your care, and if you need to see specialist you will need to receive a referral from them. This type of plan is perfect if you have a family physician that you trust and you do not plan to travel on a regular basis. One drawback of HMOs is they do not cover any out-of-network health care costs.

Typically, an HMO plan will have cheaper premiums than other types of private health insurance plans.

PPO: Preferred Provider Organization

Alternatively, a PPO plan will allow you to receive care from outside the plan's network and you will have access to a wider network of providers. The main advantage of this type of plan is you will be able to visit a physician nearly anywhere in the country. You will have the option to see an in-network doctor, who can provide care at a lower cost, or if necessary, you can see an out-of-network doctor at a higher cost. You do not need a referral to see a specialist, though you may still choose a primary care physician (PCP) (some states, like California, may require that you have a PCP).

PPO plans typically have more expensive premiums than other types of private health insurance plans.

Learn More

Health insurance can be a complex topic. The benefit of using an agent is having access to my in depth knowledge of the industry. If you would like to know more, feel free to give me a call, for a quote, and I will walk you through all the features of your personal health care plan. You can also visit our FAQs section.

Receive a Free Quote

Get a quote!

Privacy information

Your privacy is very important to me. Any information given will be used for the express purpose of providing you with a personal quote. I will not sell your information. After submitting the form I will give you a call within 24 hours with your free quote! If you would rather receive your quote immediately, call the number below. If I am not busy with another client, I will gladly receive your call!

Performance Health Solutions

3295 River Exchange Drive, Peachtree Corners, Georgia 30092, United States

Bradley Stimson Phone number: (770) 355-6662 e-mail:



09:00 am – 08:00 pm


09:00 am – 08:00 pm


09:00 am – 08:00 pm


09:00 am – 08:00 pm


09:00 am – 08:00 pm


By Appointment


By Appointment