Comparing The PPO With The Health Maintenance Organization

The focus of Consumer Health is to enable patients, families, caregivers, and the general public to find current, reliable, and accessible health information. Access to this information allows public participation and choice in health care decision making. There are many different health care organizations. Health care organizations range includes facilities that can provide treatment, test therapy and rehabilitation services. A health care organization also includes the plans that we use in order to pay for our health care services. The different types of health care organizations for them are PPO, HMO, s. A Health care organization that is effective and efficient in delivering health services and products is the Preferred Provider

HMO’s require that all members must choose their primary care physician. The only way you can see a specialist if you are with HMO is to have your PCP to give you and referral. This means that you cannot just go to the specialist and say you want a test without approval first from the HMO. There is a fixed monthly fee to the members so that they can receive services. The ineffective services are that members will have to pay out of pocket if the care that they receive is not an emergency or they did not get a referral for services. Members are stuck to one primary care physician. They do not have the freedom of choice like the PPO has. HMO member PCP can change if their managed care’s plan changes. PPO’s you are able to keep the same PCP even if the doctor is not in network. HMO is not very effective in cost of premiums to its members. The premiums are just enough to cover the physicians that are network. PPO health care costs are lower when the member stays in network but it allows more freedom than

They offer five different insurance plans. The first one is businesses that have hired 2 to 50 employees. This is what they call small business health insurance. The two plans that are under this category are Nationwide Tax Savings and COBRA. The second insurance plan they offer is businesses that have 51 to 3,000 employees working for them. They call this insurance plan middle market accounts. The third insurance plan they offer is businesses that employ over 3,000 people to work for them. This plan is called the national accounts plan. The fourth insurance plan they offer is multi-employer labor funds. The fifth and final insurance plan that they offer is having a sub-company called SRC. It offers insurance to people who only work as a seasonal employee or an employee that only works a certain amount of hours a