HMO vs. PPO vs. POS health insurance Georgia Plans
- Author Sam Dicosta
- Published June 6, 2010
- Word count 603
One of the most difficult parts of making a decision about a health insurance Georgia policy is determining which kind of plan to get. The three main categories of health insurance Georgia plans are HMO, PPO and POS. They vary based on flexibility and amount of freedom and choice in physicians. That of course will have an effect on the monthly premium costs. However, each kind of health insurance Georgia plan has advantages and disadvantages, so you will want to know the main differences in order to make the best educated choice when purchasing an individual health insurance Georgia policy for you and your family.
A Health Maintenance Organization plan, better known as an HMO, is typically the least expensive type of health insurance Georgia plan. It tends to have less physicians and health care providers included in its network because the negotiated reimbursement rate is typically lower than it is for other types of networks. An HMO health insurance Georgia plan requires that each member declare one doctor as the Primary Care Physician (PCP). That PCP will then oversee all medical services performed. If the member needs to see a specialist or a different doctor, the PCP must write a written referral in order for benefits to be payable for office visits to another specialist. Some people find this requirement to be too restrictive and time consuming. However, it may be beneficial for an individual with a complex medical history, or chronic illness, to have one primary doctor supervise all other visits and all medical care. In this manner, that doctor can make sure that services are not being duplicated, and that no treatments will conflict with each other. It may also be helpful to individuals that prefer getting to know one doctor well, and having that one physician become familiar with their particular case.
A Preferred Provider Organization plan is known as a PPO health insurance Georgia plan. This is one of the most popular types of health insurance Georgia plans out there. The reason for that is that it is moderately priced, and includes a large network of physicians and health care providers. Most doctors’ offices will join the PPO network of the major health insurance Georgia carriers. Therefore, it is probably that whatever doctor you choose will be a participating provider for your particular health insurance Georgia plan. However, a PPO health insurance Georgia policy will still pay out benefits, even if you go to a physician that it not a part of its network. The benefits will be smaller, and you may have a higher deductible, but there will still be benefits. An HMO health insurance Georgia plan does not pay any benefits for out of network visits. There is no requirement for designated a PCP, and usually referrals are not needed. However, that is not to say that you will not occasionally need prior authorization. You will want to read your particular health insurance Georgia PPO policy to determine when you need prior authorization. This is different from a referral in that you do not have to get it from a physician. You merely have to call up the number on the back of your card to receive authorization for certain services.
A Point of Service plan, referred to as a POS health insurance Georgia plan does not require that you see a network doctor. So these plans are the most flexible and give you the most choice. Typically, they have higher monthly premium charges.
Keep in mind the different types of health insurance Georgia plans, HMO, PPO or POS, to determine which is best for you.
Sam Dicosta shares his knowledge on health insurance that makes you able to find the plans that best fits your needs. If you want to know about Family health insurance Georgia,health insurance Georgia,group health insurance,affordable health insurance georgia,wellpath north carolina visit www.cvty-healthinsurance.com.
Article source: https://articlebiz.comRate article
Article comments
There are no posted comments.
Related articles
- The Transformative Power of Yamaigel’s Certified Gel Eye Masks
- Checking account with cell phone protection!
- Keeping Cool This Summer: Air Conditioning Installation Services in Milwaukee
- A DIY Guide to Fixing Your Garage Door (with a Call to Garage Door Magnolia When All Else Fails!)
- Can a Bent Garage Door Be Bent Back into Shape? Don't Panic, Call Kiki Garage Door!
- How Can I Tell If My Garage Door Opener Sensor Is Bad?
- Maximizing Profitability: The Economics Behind Customizable Design Assets
- Exploring the Hidden Gems of Si Racha, Thailand
- DIY vs. Professional Movers: Pros and Cons in 2024
- MK Web Celebrates Top Position in Bourne's Premier Web Design Rankings
- The Road to Sobriety: Understanding Substance Use Disorders
- MotorKote Ultimate 40/60 Synthetic Hyper Mix 5W-30
- Exploring Denver on a Dime: A Frugal Travel Guide
- Top 10 Ways Production Scheduling in Business Central Transforms Manufacturing
- Strength Training and it's Incredible Benefits for Fat Burning
- Enhancing Home Security with Aluminum Shutters: A Focus on Weatherwell Elite
- 5 Easy Ways to Make Oral Hygiene Fun for the Whole Family
- Transforming Plastic Extrusion Machines into Recycling Powerhouses
- Unraveling the Potential of Plastic Extrusion Machines
- The Rise of Plastic Recycling Machines: A Step Towards Sustainability
- Strawberry Cheesecake Ice Cream: OMG! Unreal!
- The Advantages of Using Professional Home Cleaners in Ilford
- 8 Compelling Reasons to Hire Professional Home Cleaners
- The 12 Steps Narcotics Anonymous Program To Recovery
- Send Money to Tanzania: Effortless Transfers with SafariRemit
- Stylish Savings: 10 Frugal Ways to Stay Fashionable in 2024
- Fly Cheap With FlightPapa To Any City
- How Collaborating with a Software Development Company Can Propel Your Business Forward
- A Comprehensive Guide to Choosing the Best Hair Transplant Method
- 15 Frugal Tips for a Memorable Wedding Day