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PostPosted: Mon 17:02, 02 Sep 2013 Back to top
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If your business is a small fish in a big pond, you [link widoczny dla zalogowanych] will find that purchasing health insurance for your employees is an ominous chore. On an individual basis, the costs can be staggering. The trick is to find some other fish, with [link widoczny dla zalogowanych] the same needs, and if you act as a group, you will be able to reap the benefits of a lower [link widoczny dla zalogowanych] and benefits of a [link widoczny dla zalogowanych] PPO, HMO or POS are explained in a Managed Care system.
Preferred Provider Organization or PPO as it is known for is a network of hospitals and medical care service providers [link widoczny dla zalogowanych] that collectively cater covered individuals for negotiated fees. What distinguishes it from others is that individuals covered under them usually have the option of obtaining medical services and procedures from outside their network but for an extra cost on premium.
An [link widoczny dla zalogowanych] HMO or Health Maintenance Organization is usually constrained by geographic area. Hospitals and medical service providers under their network are the only places where individuals can avail of their services. They normally have better coverage in terms of benefits, low or no deductibles [link widoczny dla zalogowanych] and small co pays. During emergency procedures, individuals covered under them [link widoczny dla zalogowanych] can avail it from [link widoczny dla zalogowanych] out of network hospitals and medical service providers.
In an HMO, the doctors are usually employed directly by the HMO. This is called a "Staff Model." There is also an Independent Practice Association model, where doctors are independent and work for an HMO on a contract basis. In either scenario, the insured person must choose a primary care physician who will be responsible for making all of the health care decisions for that person.
Finally, a Point of Service arrangement or POS arrangement is available. This functions like an HMO but allows for [link widoczny dla zalogowanych] services out of the network. Because there is less control by the insurance company regarding the treatment options, POS [link widoczny dla zalogowanych] plans will usually cost more in terms of premiums.
Be careful in choosing the health care coverage that [link widoczny dla zalogowanych] you want. Consider looking at your local Chamber of Commerce or business associations first before you turn to other possibility. Include the national associations [link widoczny dla zalogowanych] in your search too. An additional method of looking for that health insurance coverage is by asking your business competitors and vendors on the issue. They may have similar experience that [link widoczny dla zalogowanych] may be of value to you.


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