• PPO

Stands for Preferred Provider Organization.

What happens is health insurance companies contract a group of doctors and hospitals that will be part of the network of providers for that company. This network of doctors and hospitals then charge a contracted fee for their services and when you choose to see one of these providers, the amount you pay out of your pocket is usually relatively low.

There is typically a small co-payment (a fee per visit or service), which may be $15 or $20. It is important to to remember that since the insurance companies keep prices lower by having a contract with specific doctors and hospitals, there is higher charge for going out of the healthcare provider's network.

The PPO has a more flexible arrangement than many other plans because the plan will pay some of the costs if you choose to visit a doctor, specialist, or clinic outside the network.

A PPO or preferred provider organization is considered a managed care group of doctors and hospitals that have contracted to provide reduced rates to the group. These groups are contracted to insurers or third party organizations to save both the insurer and the insured money.

 

UNDERSTANDING TYPES OF HEALTH Plans

Today, more choices for healthcare exist than ever before. This only increases the need to educate yourself about the numerous different types of health insurance plans. There are several types of insurance plans, and many different healthcare providers for each type of plan.
 

For more information:

Coverage Types

Individual  Self Employed  Student  Temporary  Family Health  Small Business  Travel  COBRA  Alternative  Catastrophic  Guaranteed  Indemnity  Dental  Vision

Health Plans

PPO  POS  HMO  HSA  Mini Medical  Discount Plans  Prescription  Dental

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