subject: Why Health Ppo Is The Right Insurance For You! [print this page] Among the best known and wide opted for health insurance plans are the health PPO or the preferred provider organization and the HMO or the health maintenance organization. The primary reason for having health care and why you cannot avoid getting a policy is that medical care otherwise is expensive. You fire wall your health and the future against financial hazards as the costs for medical care are spiraling up each year.
Cheap HMO, but limited doctors
Employees working for a business organization or a service provider prefer the HMO as premiums are lower. The feature can be beneficial to both the employer as well as the employee as employers have to pay little money and employees too find it advantageous.
You may live anywhere coast to coast, but there would some medical service provider close to you enlisted under the HMO plan.
It helps the policyholders as they can get a policy wherever they are in the US when they go for HMO coverage. But another major reason why many people find the HMO as a health insurance alternative disadvantageous is that there are a small and selected number of doctors empanelled under it.
It leaves them very little choices when they require the services of a specialist. Not all doctors or surgeons under the HMO may be suitable for your type of disease.
Even if they have a wide range of service providers, the prescribed list of doctors is limited and if you go looking for doctors outside the list, you would have to pay the fees from your own pocket.
Despite being a cheap health insurance service provider, the HMO will not cover in their policies. You may look for doctors outside their plan, but they would charge you for the services and the money is big in these tough economic times.
No limitations with PPO
With the PPO, you have several advantages as you are offered a wide array of choices for physicians. Depending on your health track record, you can identify the physicians from your list and leave out the ones that you dont need immediately.
There is no such limitation like the HMO plan where even if the plan covers a part of the cost, they may require you to foot the entire bill for doctors outside their prescribed list.
You can also get referrals with PPO and you do not have to report to the primary care physician. With the HMO, you would be under the primary care physician and he or she may not be equipped to deal with your type of health problem. But the PPO is slightly more expensive, but looking at the advantages, a health PPO is a better bet with a wide range of choices.
by: Tim Gaffey
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