HMO vs PPO?

HMO vs PPO?
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1 Answer

Answer :

Even though the HMO is the health care plan that most people have because it is the one offered by their employer, many people either overlook or do not consider the HMO's big brother, the PPO. The PPO offers much more freedom to a policyholder than does an HMO, and aside from slightly higher premiums, the services of a PPO are much more straightforward and basically outstrip an HMO in all respects. Employees should consider a PPO as a gap policy, to cover anything that an HMO does not, and to cover their family if their employer policy does not. It is simply much easier to go to doctors that you wish to go to and see specialists at any time with a PPO.
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Related questions

What are the differences between PPO health insurance and HMO?

Description : What are the differences between PPO health insurance and HMO?

Last Answer : PPO stands for Primary Provider Organization, which means you can see phycians "in or out of network". Out of network will always be more money out of pocket to the insured. HMO stands for ... 's are much more restricting because you are limited to the physicians and facilities that may be used.

What are the advantages of POS health insurance compared to HMO and PPO?

Description : What are the advantages of POS health insurance compared to HMO and PPO?

Last Answer : the POS requires you to choose a PCP and he can refer to other providers outside the network. HMO designates the providers you must use. PPO provides a list of doctors in the network to choose from

Does anyone have experience, good or bad with MVP for health insurance and/or an HMO?

Description : Does anyone have experience, good or bad with MVP for health insurance and/or an HMO?

Last Answer : I'm on Medicare, and I have an HMO through Aetna in place of just Medicare. I've been really happy with it, except for the fact that I have to pay for my entire dental bill because she isn't in ... dentist list. Other than that I'm satisfied with it, because all of my other doctors are on the plan.

In this state, each employee’s insurance plan is considered primary for him or her, which means Mrs. Gonzales’s HMO is her primary payer and the $25 copay from her last visit is now past due, because she wanted this submitted to her husbands insurance?

Description : In this state, each employee’s insurance plan is considered primary for him or her, which means Mrs. Gonzales’s HMO is her primary payer and the $25 copay from her last visit is now past due, because she wanted this submitted to her husbands insurance?

Last Answer : The insurance company refused coverage because of a $1000 yearly deductible, which has not yet been met. How will you handle this?

How do I select a Medicare HMO?

Description : How do I select a Medicare HMO?

Last Answer : Visit www.medicare.gov to compare Medicare HMO's in your area. You can then select one and enroll on the website.

where can I get hmo insurance plan ?

Description : where can I get hmo insurance plan ?

Last Answer : If you are employed you can get your HMO through your employer. You can also get an HMO if you are not employed, however it will cost you more since an HMO is a shared cost among many people in the company.

Do you need to make a certain income to qualify for an HMO insurance plan?

Description : Do you need to make a certain income to qualify for an HMO insurance plan?

Last Answer : Yes, you need to make below $40,000 to qualify for an HMO insurance plan. Read more at http://personalinsure.about.com/cs/healthinsurance1/a/aa011704a.htm

What does HMO stand for and what is it for?

Description : What does HMO stand for and what is it for?

Last Answer : HMO stands for Health Maintenance Organization. It's a type of health insurance, where it usually costs less than traditional plans but the coverage isn't as extensive.

What benefits come with an HMO plan?

Description : What benefits come with an HMO plan?

Last Answer : Each HMO plan is different. Most are less flexible then PPO plans and have certain restrictions on them.

List of HMO Physicians in Monmouth County NJ What is the site?

Description : List of HMO Physicians in Monmouth County NJ What is the site?

Last Answer : here is some info sorted by county: http://www.njfamilycare.org/pages/plan_njkc.html

Are medicare hmo plans very affordable these days?

Description : Are medicare hmo plans very affordable these days?

Last Answer : There are a variety of Medicare HMO plans that are available for all kinds of incomes. Under the new Obama health plan, everyone should be available to get a medicare HMO plan.

Who needs a medicare hmo plan?

Description : Who needs a medicare hmo plan?

Last Answer : They could need a Medicare HMO plan if they are over a certain age, and meet a certain income requirement. If they don't already have health insurance, this is something to look into.

What is HMO medical insurance and who qualifies?

Description : What is HMO medical insurance and who qualifies?

Last Answer : HMO medical insurance is insurance that is through the employer. It means they will only pay for certain things, and certain doctors as well. You can get a list, and doctors decide what qualifies.

What is the full form of 'PPO' ? -How To ?

Description : What is the full form of 'PPO' ? -How To ?

Last Answer : The full form of 'PPO' is Pension Payment Order

How much would the lowest cost PPO dental insurance be for an individual?

Description : How much would the lowest cost PPO dental insurance be for an individual?

Last Answer : The lowest cost PPO dental insurance differs by whether you join by a monthly plan or a yearly plan. A monthly plan can cost as low as $6 and a yearly plan as low as $72.

Who is the best rated PPO health Insurance provider in Texas?

Description : Who is the best rated PPO health Insurance provider in Texas?

Last Answer : Blue Cross Blue Shield of Texas is one of the top. Another highly rated insurance is AETNA.

Will PPO dental insurance cover all the costs of a root canal?

Description : Will PPO dental insurance cover all the costs of a root canal?

Last Answer : PPO dental insurance does not cover all the costs of a root canal. The usual coverage % ranges from 20 to 50% depending on your insurance. will any dental insurance cover inplant? will dental insurance cover any costs of inplants

What are the advantages of PPO health insurance?

Description : What are the advantages of PPO health insurance?

Last Answer : For most people the main advantage of PPO health insurance is options. A PPO plan offers you the opportunity to use any in-network provider without a referral. Because of this you can go see any ... first. This is really the only advantage for a PPO as compared to any other health insurance plan.

I have Blue Shield PPO as primary and Medical part A,B,D as secondary. Should I lose Blue Shield Will Medicare take care of things in absence of Blue Shield?

Description : I have Blue Shield PPO as primary and Medical part A,B,D as secondary. Should I lose Blue Shield Will Medicare take care of things in absence of Blue Shield?

Last Answer : It is good to keep Blue Shield PPO because you are coverd almost anywhere in state or out, Medicare may not take care of a high hospital bills if it is needed.

what is the difference between a PPO and an EPO ?

Description : what is the difference between a PPO and an EPO ?

Last Answer : PPO (Preferred Provider Organization) is not an out of network benefit provider. It does however allow reduced benefits for an out of network provider. PPO's allow someone to see a specialist without going ... , but has no out of network benefits, and is useless for travel outside of your area.

Does PPO insurance cover lipo in the hips and stomach, and how much does it usually cost?

Description : Does PPO insurance cover lipo in the hips and stomach, and how much does it usually cost?

Last Answer : DOES INSURANCE COVER TUMMY TUCK IF YOU CONTINUALLY GET SORE

Is ppo health insurance right for me?

Description : Is ppo health insurance right for me?

Last Answer : There are many health insurances you can choose from to fit your preferences. PPO health insurance is an affordable insurance for you to have since it offers more programs.

Can you choose your own doctor with PPO health insurance?

Description : Can you choose your own doctor with PPO health insurance?

Last Answer : PPO stands for Preferred Provider Organizations, which means that usually there is a network of healthcare providers that are preferred and will be covered by your insurance (in-network). You are always ... 100%. Your plan will dictate how your insurance covers you for "out-of-network" providers.

Learn About PPO Insurance Plans?

Description : Learn About PPO Insurance Plans?

Last Answer : Health insurance plans come in several different styles. Preferred Provider Organization (PPO) plans include a network of health providers who have agreed to the fee and payment structure of the ... maximum lifetime benefit, a maximum dollar value the plan will pay for a particular individual.

PPO stands for a) Pension payment order b) Partly payment order b) Provisional payment order d) None of these

Description : PPO stands for a) Pension payment order b) Partly payment order b) Provisional payment order d) None of these

Last Answer : a) Pension payment order

Who will issue duplicate PPO when the PPO is lost in transit? a. Postmaster of Head office b. Divisional Heads c. Director of Accounts

Description : Who will issue duplicate PPO when the PPO is lost in transit? a. Postmaster of Head office b. Divisional Heads c. Director of Accounts

Last Answer : c. Director of Accounts

Form No pension 7 is related with --------- a. PPO register b. Pension Payment Voucher c. Pension Payment Order

Description : Form No pension 7 is related with --------- a. PPO register b. Pension Payment Voucher c. Pension Payment Order

Last Answer : c. Pension Payment Order

Paraquat is associated with inhibition of which of the following a). PSI b). PSII c). PPO d). HPPD

Description : Paraquat is associated with inhibition of which of the following a). PSI b). PSII c). PPO d). HPPD

Last Answer : a). PSI