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What else can I help you with?
Which is better-a ppo or an hmo healthcare plan?
The one that is better depends on your actual medical needs, and your desire for flexibility with the doctors that you see. In a HMO, you are restricted to a network of doctors, and typically there is no coverage if you go to an out of network doctor. In a PPO, you get more affordable coverage when you stay in network but you can go out of network if you have to. You still have coverage out of network in a PPO, but you pay more before the insurance pays. For these reasons, HMO's are less expensive than PPO's.
Can you have a hmo and a ppo plan at the same time more specifically kaiser hmo through my employer and aetna ppo through my spouse's?
Technically yes, each of you will have your own primary plan and all claims for each will go through that plan first, but as secondary, the other plan will cover in areas where the hmo does not with provisions, each plan is different that way, but usually it gives more options for health care where to hmo is restrictive, you just have a lot more hoops to jump through.
What is an HMO insurance?
HMO (Health Maintenance Organization) is one of three managed care health insurance systems in the United States. An HMO is designed to offer financial support and medical treatment to plan members. Some managed care systems don't offer medical treatment themselves. Rather, they offer different levels of financial coverage based on whether you visit in-network or out-of-network care providers. HMOs, on the other hand, have a system of physicians and hospitals that are involved in a specific coverage structure. If you're part of a Health Maintenance Organization, you are only covered if you go to a physician within the HMO network.
What is an HMO?
Health Maintenance Organization (also called an HMO) is one of three managed care health insurance systems in the United States. An HMO is designed to offer financial support and medical treatment to plan members. Some managed care systems don't offer medical treatment themselves. Rather, they offer different levels of financial coverage based on whether you visit in-network or out-of-network care providers. HMOs, on the other hand, have a system of physicians and hospitals that are involved in a specific coverage structure. If you're part of a Health Maintenance Organization, you are only covered if you go to a physician within the HMO network.
What is the Difference between and epo and hmo in insurance?
EPO stands for "Exclusive Provider Organization." EPO plans may or may not differ very much from HMO (Health Maintenance Organization) plans. It's sometimes hard to make precise distinctions between these types of health plans since the definitions have changed a bit over the years. Generally speaking, however, as a member of an EPO plan, you can only use the doctors and hospitals within the EPO provider network, but cannot go outside of the network for care. There are no out-of-network benefits. This may be the same with some HMO plans. But while an HMO plan will typically require you to coordinate most of your care through a primary care physician (who then refers you to specialists when needed), an EPO plan may allow you more freedom to decide which doctors you see within the provider network. Work with a licensed health insurance agent to help you find the best type of coverage for your needs.
Please explain the difference between HMO and PPO medical insurance plans?
With an HMO you have a network of doctors and hospitals that you can use and anyone outside of this network will not be paid for by your insurance. All of the records are centrally located and available to anyone in the network and you choose a primary physician who then can make referrals to a specialist if needed. With a PPO, there is a preferred provider netwok however you can go outside the network with reduced amounts of coverage. It is easier to get a second opinion , switch doctors and see a specialist as you have more choices. HMO's generally cost less.
Is pay as you go a network?
No, it's a network's price plan kinda thing
HMO vs PPO?
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.
What does HMO stand for?
Health Maintenance Organization HMO stands for Health Maintance Organization. Basically an HMO lets you go to a small group of doctors and hospitals. But, if you go anywhere else you have NO COVERAGE.
Can you direct me to some articles that tell more about the advantages and disadvantages of getting an HMO insurance plan?
The articles contained in the following links may throw light on the advantages and disadvantages of getting an HMO insurance plan; please go through- http://www.pulsemed.org/hmo-health-insurance.htm; http://ezinearticles.com/?The-Advantages-and-Disadvantages-of-PPOs---HMOs&id=720733; AND http://www.ehow.com/list_5746723_advantages-health-insurance-provided-hmo.html Oh, WiseGeek offer articles with detailed help in the area. The link for them is http://www.wisegeek.com/what-is-the-difference-between-a-hmo-and-ppo.htm.
What is the difference between an HMO and a PPO?
This is an important difference to understand. If your healthcare options include the choice between an HMO and a PPO, you will need to determine whether or not your trusted doctors participate and, if not, if you will be able to afford your share of their fee if you opt for a PPO. Some women feel the value of continuity, using a doctor they have seen for years, provides more secure diagnoses. In that case, you could pay for outside of network medical care. Be sure you know what each system offers so you can estimate your actual healthcare costs.A health maintenance organization (HMO) and a preferred provider organization (PPO) are both managed care plans. A managed care plan is a method of paying for and providing health care for a set fee using a network of hospitals, doctors, and other health-care professionals. The managed care plan monitors (and sometimes limits) the care that its doctors provide to members. Its goal is to ensure that unnecessary and expensive services to its members are minimized.HMOs are the most popular form of managed care. Here, all health services and financing go through one organization. Services include inpatient and outpatient care and prescription drug benefits. The HMO offers a network of hospitals and health-care professionals that its members must use. These health-care professionals are either employed by or under contract to the HMO. Members pay a monthly fee that does not change (unless, for example, the entire fee structure changes annually) regardless of the care they may need. Paper work for claiming the fee for the service is done by the provider (doctor) or by PCP.PPOs are far less restrictive than HMOs. A PPO consists of a group of hospitals and health-care professionals who agree to provide care to members at a reduced cost. A PPO is designed to provide affordable health care while maintaining flexibility for its members, who do not have to use the services within the network but are encouraged to do so. Staying within the network means that their costs are lower. If members go outside the network, they are still covered but must pay a higher deductible and contribute a higher co-payment. The policy holder has to claim from the insurance company for reimbursement. Apart from this there are other plans in PPO:Beneficial Plans - Offers you a chance to waive deductibles,Beneficial Rx Plan - Same as the Beneficial Plans in waiving deductibles, and also offers lowers costs on prescriptions.Preferred Plan - You can choose the medical provider, plus the monthly bill you pay on this plan is quite reasonable.Traditional Plan - You can choose your own medical provider and the rate on this is not costlyPlus Plan - You pay a reasonable rate here and get lower out-of-pocket expenses as well.Health Savings Account - You pay a high deductible, but are exempted from tax on serious health expenses.
Where can I find my medicare hmo information?
You can go to medicarhmo.com. There are also several other websited dedicated to helping with medical hmo information services.
