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Share your insurance ideas and expertise. Respond to questions and comments Joslyn [2010-03-09] ... I'm choosing health insurance for the first time. What is the difference between a HMO and a PPO? Reply

primary Care

If you have never really visited a doctor for medical attention, or if you have never been the primary policy holder of a health insurance plan, then you may not know what a primary care physician (PCP) is. It is important for you to familiarize yourself with this type of doctor because PCPs typically serve as the first place you turn when you have a medical ailment. Your primary care physician will treat you for minor health issues or pass you along to a specialist for more serious conditions.

Types of PCPs

A primary care physician role may be filled by a number of different types of doctors; your PCP does not necessarily need to be a general practitioner. For example, under some insurance plan, a female's gynecologist may serve as her primary provider. Other doctors that are typically allowed, under most health insurance plans, to serve as PCPs include:

  • Pediatricians (for children up to a certain age)
  • Family practitioners (for all family members)
  • General internists (general treatment with a subspecialty)
  • General practitioners

Most health care plans like HMOs and PPOs allow their policyholders to select a PCP. If you are looking to purchase or join a new plan, then you should check to make sure it covers a PCP.

The Importance of PCPs

PCPs hold a number of very important roles in the area of medicine. Typically, they form long-term doctor-patient relationships that allow them to learn their patients' individual medical histories and ways of life. Therefore, PCPs can provide the best advice, medicines, or referrals to meet each patient's specific needs.

Primary treatment doctors are the first go-to-guys for those suffering from medical issues. They refer patients onto specialists if need be, manage the treatment of any long-term illnesses or chronic problems, diagnose and treat minor health issues, and perform regular checkups on patients. Essentially, they are responsible for maintaining the general well-being of their many patients.

Contact Us

If you would like to learn more about primary care physicians and what they can do for you, then Catherine Michaels Insurance Services can help. We understand how important it is to have a PCP with whom you feel completely comfortable. Our agents can help you locate a California insurance plan that covers the PCP of your choice. To learn more, visit http://www.healthinsuranceofcalifornia.com/ toda

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RECENT COMMENTS

Joslyn
2010-03-09
I'm choosing health insurance for the first time. What is the difference between a HMO and a PPO? insure
Kat
2010-03-08
BCBS PPO coverage for weight loss surgery? I have recently been considering having the lap band done. I am wondering would BCBS PPO cover for it. I am a dependent on this insurance and I am 21. I am covered until I am 25. I have heard it depends on what policy the employer agrees upon but I am not sure what kind of policy my parents have. Does anyone know what kind of policy WLS would be covered under. And if not covered all the way would it be covered any? I am a little apprehensive about doing all this but I need to find out if I am even covered at all and I'm not quite sure how to go about finding out how. insure
Jeff Callison
2010-03-04
Thanks for the information. I decided to buy an HSA but I went with another broker in Ohio. Their firm specializes in that type of policy. insure

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