HMO vs PPO: What You Should Know If You Have A Chronic Illness or Disability

Health insurance tips for open enrollment and year-round

iWriteTee
4 min readNov 19, 2022
Photo by Scott Graham on Unsplash

It’s open enrollment for people in Pennsylvania who are covered through the Affordable Cares Act. Pennsylvania uses Pennie as its official Healthcare Marketplace. In my last article about insurance scam sites and I urged people to go directly to Pennie.com or Healthcare.gov (if you’re outside of Pennsylvania).

My Google search was hijacked and directed me to a fraudulent 1–800 number. The company already had my coverage information, so I thought they were legitimate.

Unfortunately, they were scam brokers who attempted to take money out of my account several times. Luckily, my bank blocked the charges because the company was flagged by their fraud department and it worked out, but I still had to close my account, put a fraud alert on my credit report, order new cards and reroute payments.

Now that it’s open enrollment, I don’t want anyone else to get scammed or pick the wrong insurance…

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iWriteTee

Top Writer, freelancer, matriarch, educator & development consultant with bylines in Creators Hub, Better Marketing, Zora, Momentum, An Injustice!, etc.