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Types of hmo

Advantages of HMOs
Advantages of HMOs

Advantages and Disadvantages: In case of HMOs, this arrangement helps lower general costs, it can still be disliked with some patients. For example, if you are an employer and your employee’s current family physician were not part of the network of the HMO you offer, he or she would have to switch to a network doctor to enjoy the full cost-saving benefits of the plan.

Advantages of POS Plans
Advantages of POS Plans

A compelling advantage of POS plans is out-of-network benefits. HMOs normally restrict benefits to in-network providers. This means that you likely pay the entire cost for services received out of the health care network.

source: sapling.com
Advantages of PPOs
Advantages of PPOs

In other words, it is just opposite to another popular type of managed care plan, HMO (Health Maintenance Organization), which needs referrals from a PCP. Another appealing characteristic is the flexibility to visit or choose doctors and hospitals outside the network.

Disadvantages of HMOs
Disadvantages of HMOs

Advantages and Disadvantages: In case of HMOs, this arrangement helps lower general costs, it can still be disliked with some patients. For example, if you are an employer and your employee’s current family physician were not part of the network of the HMO you offer, he or she would have to switch to a network doctor to enjoy the full cost-saving benefits of the plan. Sometimes it tends to be risky by restricting the choice, and ends up plan members in frustration.

Disadvantages of PPOs
Disadvantages of PPOs

Disadvantages: You must pay full rate for physicians and hospitals outside the network; If the network is not up to the mark, people feel they can simply go outside the network for care. But in practice, many PPOs make it impractical to obtain care outside the network by setting high deductibles and co-insurance.

Exclusive Provider Organizations (EPOs)
Exclusive Provider Organizations (EPOs)

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Health Maintenance Organizations (HMOs)
Health Maintenance Organizations (HMOs)

Read about HMO plans, which require you to go to doctors, other health care providers, or hospitals on the plan's list, unless you need emergency care. You may also need to get a referral from your primary care doctor to see a specialist.

source: medicare.gov
High
High

With an HMO, you must choose a Primary Care Physician (PCP) from a network of local healthcare providers when you join. This is the doctor you will see whenever you need medical care. Your PCP will be the provider with the best overall picture of your health and will be the one to coordinate any additional care you might need.

source: humana.com
HMOs
HMOs

What is an HMO? HMO stands for Health Maintenance Organization. HMOs have their own network of doctors, hospitals and other healthcare providers who have agreed to accept payment at a certain level for any services they provide.

source: humana.com
Point-of-Service (POS) Plans
Point-of-Service (POS) Plans

A Point of Service (POS) plan has some of the qualities of HMO and PPO plans with benefit levels varying depending on whether you receive your care in or out of the health insurance company's network of providers.

PPOs
PPOs

Medicare also has both PPO and HMO options. If you are eligible or over the age of 65, you might want to check out Humana’s Medicare PPO plan or Medicare HMO plan. Dental and vision coverage is also available in both PPO and HMO plans.

source: humana.com
image: zenefits.com
Preferred Provider Organizations (PPOs)
Preferred Provider Organizations (PPOs)

Preferred Provider Organization (PPO) Plans How PPO Plans Work A Medicare PPO Plan is a type of Medicare Advantage Plan (Part C) offered by a private insurance company.

source: medicare.gov
image: youtube.com

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