Health Care Choices

A close look at HMO's
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HMO - Health Maintenance Organizations
PPO - Preferred Provider Organization
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Individual Health Insurance
HMO or PPO
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What to look for with Group Health Insurance
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What is an HMO

HMO stands for, Health Maintenance Organization. A form of health insurance combining a range of coverages in a group basis. A group of doctors and other medical professionals offer care through the HMO for a flat monthly rate with no deductibles. However, only visits to professionals within the HMO network are covered by the policy. All visits, prescriptions and other care must be cleared by the HMO in order to be covered. A primary physician within the HMO handles referrals.

Clubwww1.com is a Division of Service on Sight Research & Consultancy Inc.

The decision of PPO or HMO begins with these questions:

  • PRICE - What are the monthly insurance premiums for each plan?  What can you afford?
  • FEATURES - What health care services does each program cover?
  • COST SHARING - What would be your share of the cost for these services?

ACCESS - Is it important to you to see any doctor you want or are you willing to trade that flexibility for some other benefit?

Service on Sight will help you with your decision.  We explain available health insurance plans in understandable terms.  Also important to the process is a review of your expectations of health insurance.

Specific interests such as pharmacy, eye care, and individual dental insurance are each distinct items to be considered in your correct choice of an individual health insurance plan.



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Business Needs

Do you as business owner want to offer health coverage for the first time? Want the solution? Benefits with lower participation requirements, lower contribution levels and lower price point maybe the answer. However concern over cost does present a number of problems that may need a professional approach by a competent company. For the most simple and affordable health care options, please contact us at your convenience.

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