What is the difference between HMO and PPO health insurance?
HMO plans require the patient to select a primary care physician. This doctor determines any treatment plans needed. HMO plans typically require the insured person to obtain a referral from his primary doctor before visiting a specialist. A disadvantage of an HMO plan is that if treatment is sought outside the set network, no coverage is available to help with costs.
What is the difference between a PPO and a HMO?
An HMO, or Health Maintenance Organization, requires members to select a primary care physician who determines treatments and refers patients to specialists, according to Medical Mutual. A PPO, or Preferred Provider Organization, is a type of insurance that allows members to choose any doctor or specialist
without requiring a recommendation.
How do you compare the benefits of a PPO versus an HMO healthcare plan?
Important factors to consider when comparing an HMO to a PPO include out-of-network coverage, if out-of-network spending applies to the out-of-pocket maximum, and the need for a primary care physician, notes WebMD. Employees should contact their human resource office for the specifics of the plans that are offered.
How do I find out about old insurance policies?
To find out about old insurance policies, a claimant should collect the personal details of the insured person and present them to the insurance company that wrote the policy. A person can also check with the state insurance department of the state in which the policy was issued.
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