Health Care Choices

A close look at HMO's
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HMO - Health Maintenance Organizations
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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.

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Choosing a PPO in most cases means having the ability to use any doctor or facility you choose, although the benefits are higher  when you use one of the physicians or facilities that belong to the chosen  PPO organization. All doctors and hospitals within a PPO network  have agreed to accept a discounted fee for their services from the plan.

It is possible to find,  from some providers,  a broad range of available individualized choices within the above framework. It is important to know all your options before signing for your future medical protection, Service on Sight ishere to assist.

Primarily the highlights of PPO insurance include:

  • You may go to any doctor in the network at any time without a referral, including all specialists.
  • A co-pay at the doctor's office of $10 - $45.
  • You may go out-of-network "at will" to any top specialist for your serious problems.
  • No claim forms or paperwork
  • Choice of deductible.
  • Prescription coverage is included.

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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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