Typical health insurance programs include:
Health Maintenance Organization (HMO): Specialist recommendations must be made by a primary care physician.
A wider range of healthcare providers are available through preferred provider organizations (PPOs), and out-of-network coverage options vary.
Except in cases of emergencies, coverage is restricted to providers who are part of an exclusive provider organization (EPO).
HMO and PPO elements are combined at the point of service (POS).
Low premium, high deductible health plans (HDHPs) are frequently combined with Health Savings Accounts (HSAs).
These plans provide a variety of healthcare coverage options.
Health Maintenance Organization (HMO): Specialist recommendations must be made by a primary care physician.
A wider range of healthcare providers are available through preferred provider organizations (PPOs), and out-of-network coverage options vary.
Except in cases of emergencies, coverage is restricted to providers who are part of an exclusive provider organization (EPO).
HMO and PPO elements are combined at the point of service (POS).
Low premium, high deductible health plans (HDHPs) are frequently combined with Health Savings Accounts (HSAs).
These plans provide a variety of healthcare coverage options.