On The Fly Insurance Guy

I help individuals, families, and small businesses find affordable healthcare alternatives that actually works for them. If you're frustrated with your current coverage or know someone that could use my expertise then get your free quote.

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Shawn T. Harber

Your Locally Licensed Health Adviser

I'm Licensed in Your State

Whether it’s individual, family or business you have people that count on you. Insurance is about peace of mind and protecting those who trust you. I provide no obligation, consultations so you can be sure you are making the best choices for your insurance needs.

Areas of focus are: Health Insurance • Disability Income Protection • Life Insurance • Dental • Vision • Critical Illness Coverage.

Network availability: Nationwide PPO!

Our resources cover all aspects of insurance so before making decisions about your insurance needs, contact me!

CLICK FOR PPO QUOTE NOW NO Obligation

Are you're confused with the difference between plan types?

Nationwide PPO vs. HMO vs. EPO

A huge factor to consider when it comes to how to get health insurance is the plan type. Here are the 3 most common types of plans:

Nationwide PPO:

A PPO is a preferred provider organization. It allows you more flexibility than an HMO. You typically don’t need a referral to see a specialist. You can seek providers outside of your state that are still part of the provider network.

HMO:

An HMO is a health maintenance organization. With an HMO, you choose a primary care doctor. If you need to see a specialist, you typically need to get a referral from your primary care provider. HMOs have a provider network. You may not be able to see providers outside of your network. If your plan allows you to see out-of-network providers, you will have to pay more.

EPO:

An EPO is an exclusive provider organization. It combines aspects of an HMO and a PPO. You have the more restrictive network associated with an HMO. If you see an out-of-network provider, you pay significantly more. You also have the freedom to see specialists without a referral.

Get Your Nationwide PPO Unless you want a very limited network