yes we do but it is privet
PPO stands for Preferred Provider Organization. A group of in-network medical providers contract with the insurance carrier under specified plans offered by the carrier. The providers agree to provide care at a pre-neogotiated rate per procedure. In exchange the providers expect to see patient flow from members of the plan. Most PPO plans do not require a referral to see a specialist.
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 particular doctor in your network without having to get approval from another doctor or your insurance company first. This is really the only advantage for a PPO as compared to any other health insurance plan.
You are thinking of an MSA plan (Medical Savings Account) which is different than a PPO plan
Exclusive Provider Organization (EPO) - There are two types of EPO plans. The current industry standard requires that a patient select a Primary Care Physician (PCP) (some patients may only have to choose a medical group) and when needed obtain authorization from that PCP to receive specialty services. A patient must stay within the contract network and only use preferred providers. There typically is a lifetime policy maximum with this type of plan. In the event a patient goes out of network (OON) they may be responsible for the entire balance that is not paid by the payer associated with the services provided. The other type of EPO is one where the benefits are those of a PPO but the provider panel from which members obtain care is smaller than a PPO panel.
PPO is always better you pay more for it but it pays off as soon as you use it
One can choose their own doctor with a Humana Choce PPO plan by opting into the plan which pays for for one to do this. One must be prepared to pay the plan deductibles and monthlyy premiums associated with this type of plan.
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.
PPO - generally has a larger list of MD's and allows you to see MD's outside of the network, but at a lower payment level.
NO, NO, NO, bad doctor!
Based on my personal experience and extensive research, PPOs give you the most flexibility; the downside is a higher premium. I am in a PPO currently, after running into unacceptable out-of-pocket costs with an HMO.
Nothing, People gain weight when they try to quit because they want to put something in their mouth. Depending on the state you live in and the insurance company you go through, you should be able to find a good PPO individual plan. BlueCross Blueshield of Florida offers excellent PPO individual plans.
Each HMO plan is different. Most are less flexible then PPO plans and have certain restrictions on them.