FAQs

Health insurance protects you from significant medical expenses. Hospital visits and medical care can result in substantial costs without proper coverage. While nobody anticipates illness or injury, maintaining protection for yourself and your family should remain a fundamental priority.

Health insurance premium costs depend on several factors, including your coverage requirements, chosen deductible levels, and available insurance providers in your region. FMIG Health works directly with you to understand your specific needs and identify a plan that aligns with both your coverage requirements and financial considerations.

PPO: A PPO, or Preferred Provider Organization, indicates that specific physicians are preferred within your health insurance network, resulting in reduced costs for both you and the insurance provider. You maintain the option to visit physicians outside the PPO network, though this typically results in higher out-of-pocket expenses. HMO: HMO plans generally feature lower monthly premium costs and reduced out-of-pocket expenses. PPO plans usually carry higher monthly premiums but provide greater flexibility, allowing you to access both in-network and out-of-network providers without requiring referrals. Out-of-pocket medical expenses may be higher with PPO plans.