In this conversation of episode 4 of the Valerie Gehy Health Podcast, agents Valerie Gehy and Nathanaelle Vazquez discuss the importance of health insurance and the key terms and concepts related to it. They emphasize the need for young people to have health insurance and the financial consequences of not having it. They also discuss the significance of having a low deductible and the benefits of different types of plans, such as HMOs and PPOs. They highlight the importance of special enrollment periods and the qualifying events that allow individuals to enroll in health insurance outside of the open enrollment period. In this conversation, Valerie and Nathanaelle discuss the differences between EPO and PPO health insurance plans. They highlight the flexibility of EPO plans, which allow for out-of-state travel within the network for up to one month in case of emergencies. They also emphasize that EPO plans do not require a referral to see specialists. On the other hand, PPO plans offer access to out-of-network providers but do not allow for travel outside of the state. They also discuss the importance of understanding one's specific healthcare needs and finding a plan that best suits those needs.

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