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PPO Vs. HMO: What's the Difference and Which is Better?
Next Step: Take the PPO Vs. HMO test for yourself - http://www.giangolainsurance.com/health-insurance-after-obamacare-ohio What Does PPO Mean? PPO stands for Prefered Provider Organization. This type of plan offers a higher level of reimbursements when you receive treatment from a “preferred” doctor or hospital. In less fancy insurance terms, you pay less. This is also known as your health insurance company’s network. These “preferred” providers offer their services to you at a cheaper rate if they’re in your insurance company’s network. You even have the ability to see non “prefered” doctors with this plan, they are just consider out-of-network doctors. PPO’s have dominated the health insurance landscape for the last 10-15 years. What Does HMO Mean? HMO stands for Health Maintenance Organization. This plan type works a little different from a PPO. Instead of being able to choose from a list of doctors at a wide array of facilities, you are strictly limited to doctors and facilities contracted with that health insurance company. The goal of this plan structure is to have a primary physician manage your care. The most famous example of an HMO structure is the company HealthSpan, formerly known as Kaiser Permanente. These plans generally are less expensive than a PPO plan, however that is in exchange for a limited selection of doctors and hospitals. Let’s Take a Closer Look So I’ll ask you again, how many doctors do you want to be able to see if something really bad happens? The answer to that question is the answer to your internal PPO vs. HMO debate. But if you want to go even deeper, here’s what you need to think about. When does a HMO plan Make Sense? This is a hard question to answer since it will always come down to personal preference. But, this is how I like to explain it to clients. If there is a HMO plan that has doctors close to your home that you like and trust and also has an adequate number of hospital facilities, that’s a decent first step. You also need to be able to save a considerable amount of money on your health insurance payment every month. Finding both of those together is the tricky part. I have yet to see a HMO plan that offers enough savings to consider recommending one to a client. When you only save a couple dollars every month, you have to ask yourself if it is really worth it to limit yourself that severely when it matters the most. I've never been able to answer yes to that question for a client.
Просмотров: 83209 Giangola Insurance
What Are The Differences Between HMO, PPO, And EPO Health Plans NEW
This video will help you choose the right type of plan based on your specific medical and provider needs. Many often wonder what all the different health plan offerings mean to them... now you can understand the difference between HMO's, PPO's, and EPO's in just a few short minutes. There is also a printable link at the end of this video with more details. www.BenefitCompare.com Follow us on Twitter: @BenefitCompare Customer Service on Twitter: @TechHelpBC Explaining The Terms and Definitions Of Health Insurance: http://youtu.be/4qHShvS2at4 Restricted Access To Your Health Providers: http://youtu.be/LUxKovobFf4 METAL TIERS: Choosing Bronze, Silver, Gold, or Platinum Health Plans: http://youtu.be/nKFyHyO6d-E Understanding HSA, HRA, And FSA Plans: http://youtu.be/FOxJ5VpmK8g
Просмотров: 115414 BenefitCompare
What is the difference of HMO and PPO health insurance? Hmo vs Ppo
please subscribe to our channel: https://www.youtube.com/letstalkmoneychannel What's The Difference Between HMO and PPO Plans? Health Maintenance Organization (HMO) and a Preferred Provider Organization (PPO) HMO Versus PPO - Plan Comparison
Просмотров: 8134 Let's Talk Money Channel
HMO vs. PPO - What You Need to Know
In looking at health insurance options, it's important to know what the various terminologies mean. So, let's start with a couple of the most important, HMO and PPO. HMO is Health Maintenance Organization. PPO is Preferred Provider Organization. For health insurance, the difference between the two is stark. An HMO will have lower premiums but much more restrictions on care. Whereas a PPO will have higher premiums and lots more flexibility. You really need to know the difference and how it will apply to you. A good article below from an Ohio Mutual Insurance Company explains all. https://www.medmutual.com/For-Individuals-and-Families/Health-Insurance-Education/Compare-Health-Insurance-Plans/HMO-vs-PPO-Insurance.aspx ================================= GET ALL MY LATEST BLOGPOSTS: https://heritagewealthplanning.com If you like what you see, a thumbs up helps A LOT. It tells YouTube that people are engaged and so the Youtube algorithm will show the vide to others who may be interested in the content. So, give me a thumbs up, please! Don't forget to SUBSCRIBE by clicking here: https://www.youtube.com/channel/UCSEzy4i9xrKPoaU9z0_XbmA?sub_confirmation=1 Contact me: Josh@heritagewealthplanning.com GET MY BOOKS: Both are FREE to Kindle Unlimited Subscribers! The Tax Bomb In Your Retirement Accounts: How The Roth IRA Can Help You Avoid It https://amzn.to/2LHwQpt Strategic Money Planning: 8 Easy Ways To Put Your House In Order https://amzn.to/2wKGi50 PODCAST: https://itunes.apple.com/us/podcast/josh-scandlen-podcast/id1368065459?mt=2 http://heritagewealthplanning.com/category/podcasts/ LET'S SOCIALIZE! Facebook: http://Facebook.com/heritagewealthplanning Linkedin: https://www.linkedin.com/in/joshscandlen/ Quora: https://www.quora.com/profile/Josh-Scandlen Google +: https://plus.google.com/u/1/108893802372783791910
Просмотров: 1175 Heritage Wealth Planning
What does the EPO, PPO, HMO, POS stand for in HEALTH INSURANCE? What is network provider?
please subscribe to our channel for more videos! https://www.youtube.com/letstalkmoneychannel what is PPO? what is HMO? what is EPO? what is network provider? If you are confused, please watch this video and find answers to your questions!
Просмотров: 7847 Let's Talk Money Channel
What is the difference between HMO, PPO and EPO health plans?
Finally, an easy to understand explanation about the different types of health plans.
Просмотров: 579 Aj DiLiberto
PPO vs HMO + Health Savings Account
Просмотров: 5039 The HealthPair
PPO vs  HMO Understanding Health Insurance Series
Understanding Health Insurance: You've heard of terms like PPO and HMO, but what does it all mean? You need to KNOW what it all means to make the right decision...an informed decision. Knowing The Basic Differences May Save You Money!
Просмотров: 1355 Insurance Insights
Compare Kaiser HMO vs Blueshield PPO- health insurance- what are advantages and dissadvantages
please subscribe to our channel for more videos! https://www.youtube.com/letstalkmoneychannel http://www.sfcheapinsurance.com/ Let’s take a look at a comparison of Blue Shield of California and Kaiser. Both are the most popular plans in California and I some zip codes these are the only plans available for consumers. In this video, I will mainly compare the Kaiser HMO plan with the Blue Shield PPO plan. Make sure to watch this video until the end, as I will share with you the advantages and disadvantages of both Kaiser and Blue Shield.
Просмотров: 11549 Let's Talk Money Channel
Benefits 101: The Difference Between an HMO, PPO, and HDHP plan
What's the difference between an HMO, PPO, and HDHP plan
Просмотров: 1785 The SEBO Group
7 Differences Between a Dental HMO and PPO Plan
Know the difference between a dental HMO (DHMO) and dental PPO (DHMO) to help you find the dental plan that's right for you and your family.
Просмотров: 13561 Solstice Insurance
Differences between Medicare PPO & HMO Plans
HMOs generally costs less but you give up flexibility to go out of your network. As Medicare Advantage plans continue to evolve, know how these two network plans differ. HMO is neither better nor worse than a PPO, it is just different. You typically pay a lot less for a HMO but have a smaller network (not always) and no ability to go OUT of network. If all your doctors are in network, this may not be an issue for you. If you TRAVEL out of your area (your kids live out of state, you have a vacation home in the south or you like to travel a lot) then a HMO is not a good option since you are risking out of network costs! Keep in mind that many of the top carriers have a program for both PPO and HMO plans so you can "switch" your home network to another state when you travel--or if you need to go to a specialist that is out of network. This type of program varies a lot by the insurance company and they all call their program by a different name, but this is a great option to discuss with your agent when choosing a plan. Gordon Marketing 20224 Hague Rd Noblesville IN 46062 (800) 388-8342 http://gordonmarketing.com #insuranceagent #insurancefmo #medicareagent
Просмотров: 17154 Gordon Marketing
Why Choose a PPO Plan- Know How to Choose Best PPO or HMO Insurance Plans
Preferred Provider Organization (PPO) A type of health plan that contracts with medical providers, such as hospitals and doctors, to create a network of participating providers. You pay less if you use providers that belong to the plan's network. ====================================================== SUBSCRIBE TO MY CHANNEL PLEASE.... https://www.youtube.com/channel/UCWDyU5Z3SKdlZ0tL8WLsvRw?sub_confirmation=1 ===================================================== How to Choose a PPO A PPO, or preferred provider organization, helps members see a variety of doctors without incurring extra costs. Although patients can get special rates for visiting any doctors that are in-network, going beyond the approved network of care providers will often result in much larger bills. Consider your medical needs, plan options, and budget when choosing a PPO. People also ask What is the difference between a PPO and HMO? What is a PPO in health insurance? What does PPO mean for health insurance? What is a PPO health insurance plan? Is it better to have an HMO or PPO? What does PPO mean for health insurance? What is a PPO health insurance plan? How does a PPO health insurance plan work? Keywords: #how to choose health insurance plan #how to compare health insurance plans spreadsheet #how to choose health insurance #which health insurance is best for me quiz #compare health insurance plans calculator #how to compare car insurance plans #best car insurance for me #good affordable health insurance ------------------------------------------------------------------------------------------------------- THANKS FOR WATCHING OUR CHANNEL -------------------------------------------------------------------------------------------------------- -~-~~-~~~-~~-~- Please watch: "🍳🍳⛹Child's Anemia Know How to Deal with Your Child's Anemia" https://www.youtube.com/watch?v=7CVvsGLuXoE -~-~~-~~~-~~-~-
Просмотров: 56 how to easily
HMO vs  PPO Networks
Do you know the difference between the major provider networks, HMO's and PPO's? This short video compares the two so that you can make an informed choice when shopping for health insurance coverage. Call us today at 937-408-5930 or visit our website healthplannetwork.net
Просмотров: 36 Health Plan Network
Dental Insurance- HMO VS PPO coverage- Which one is better & could save you more money?
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Comparing Tufts Health Plan Medicare Preferred HMO Plans and Medicare Supplement plans
Need an easy way to compare our HMO plan and Medicare Supplement plan? This video offers a side by side comparison.
Просмотров: 64 Tufts Health Plan Medicare Preferred
High Deductible Health Plan vs PPO (HSA Explained)
Open enrollment is upon us. Now is the time you can make changes to your health insurance selections through your employer. Do you pick the High Deductible Health Plan with the HSA or the PPO? What is an HSA? It's confusing. In this video I explain the differences and the top 5 questions you should be asking yourself before you pick a plan to save money and minimize your risks. Which health plan is your family going with this year? How We Stopped Living Paycheck to Paycheck https://youtu.be/HFofLtL_Dqo Dave Ramsey's Total Money Makeover http://amzn.to/2s9Gyqo ツ S U B S C R I B E (it's FREE) http://www.youtube.com/subscription_center?add_user=msdiaperd Hey there! I'm Dana. I'm a wife and Mother to 4 kids, including twin boys and two girls. I work full time outside the home in finance as a Corporate Accountant, but enjoy sharing my personal and parenting journey online. We live in the Philadelphia area. Follow Me Everywhere @MsDanaRyan Need to Contact Me? MsDanaRyan@gmail.com *Please be advised that some of the links above may be affiliate links and I do receive a very small commission if you make a purchase using those links. I appreciate your support if you do, and if you don’t - no worries. We’re still buds. HUGS!
Просмотров: 19554 Debt Free Dana ツ
The Basic PPO, EPO & HMO Health Plan Models
This is a very basic review of the three main types of health plans: PPO- Preferred Provider Org., EPO- Exclusive Provider Org. and HMO- Health Maintenance Organization. It talks about providers, in-network, out-of-network and the costs associated with each. Emergency Room and ACA preventive services are also touched upon.
Просмотров: 3089 Kevin Knauss
What’s the difference between an HMO, PPO, and EPO health insurance?
Are you looking for answers to your Obamacare questions? Do you know the difference between an HMO, PPO, and EPO? This video shares the following facts on: "What’s the difference between an HMO, PPO, and EPO health insurance?”. The following points will be addressed: • What is an HMO? • What is a PPO? • What is an EPO? • What are the benefits and drawbacks of each plan? If you still feel that you have questions about health insurance, Freeway Insurance is here to help you. Give us a call at 888-971-3137 to learn more about your health insurance options. Don’t forget, our services are 100% free to you. For more information please click the following link: http://www.freewayinsurance.com/insurance-options/health-insurance/types-of-health-insurance/hmo-vs-ppo-health-insurance/
Просмотров: 2445 Freeway Insurance
HMO vs PPO!!! (What’s the difference?)
Christian explains the difference between an HMO Insurance Plan and a PPO Insurance Plan! Check us out on your favorite social media! Facebook: https://m.facebook.com/christianbrind Instagram: https://www.instagram.com/christianbrindleinsurance/ Twitter: https://mobile.twitter.com/ChristianBrindl Pick up a copy of Christians Medicare Guide here: https://www.amazon.com/gp/aw/d/1541312821/ref=mp_s_a_1_2?ie=UTF8&qid=1526517579&sr=8-2&pi=AC_SX236_SY340_QL65&keywords=medicare+guidance&dpPl=1&dpID=41CvbfkIGjL&ref=plSrch
Просмотров: 33 Christian Brindle
HMOs, PPOs and HDHPs
Medical plans differ in how much you pay out of your paycheck versus how much you pay at the doctor and how much freedom you have in choosing a doctor. Different types of medical plans vary in their monthly costs as well as their requirements for choosing specific doctors. An HMO, or Health Maintenance Organization, has a lower monthly premiums, but also provides a limited amount of doctors to choose from. You must designate a Primary Care Physician and receive a referral to see any other doctors or specialists. A PPO, or Preferred Provider Organization, has a higher monthly premium, but allows you greater freedom to choose your medical care provider. PPOs don’t require a primary care physician, so you can go directly to a specialist. An HDHP, or High Deductible Health Plan, offers the least expensive monthly premium, but requires you to pay all medical expenses up to a certain deductible amount. Like a PPO, HDHPs do not require a primary care physician.
Просмотров: 522 PlanSource
HMOs, PPOs and HDHPs
Medical plans differ in how much you pay out of your paycheck versus how much you pay at the doctor and how much freedom you have in choosing a doctor. Different types of medical plans vary in their monthly costs as well as their requirements for choosing specific doctors. An HMO, or Health Maintenance Organization, has a lower monthly premiums, but also provides a limited amount of doctors to choose from. You must designate a Primary Care Physician and receive a referral to see any other doctors or specialists. A PPO, or Preferred Provider Organization, has a higher monthly premium, but allows you greater freedom to choose your medical care provider. PPOs don’t require a primary care physician, so you can go directly to a specialist. An HDHP, or High Deductible Health Plan, offers the least expensive monthly premium, but requires you to pay all medical expenses up to a certain deductible amount. Like a PPO, HDHPs do not require a primary care physician. HDHPs are often attached to a Health Savings Account that allows you to set aside pre-tax dollars for out-of-pocket health expenses, which helps to cover the cost of a high deductible.
Просмотров: 4990 PlanSource
What is covered by Dental Insurance and How to choose a dental plan❓ 👑
Compare dental plans on our web site: https://insurancecenterhelpline.com/dental-insurance case study - side by side comparison- http://letstalkmoneychannel.blogspot.com/2018/05/understand-how-your-dental-insurance.html . In this video, I will explain how to benefit from dental insurance and I will try to address such questions as: How does the dental insurance work? What is the best dental plan? What is the difference between dental PPO and HMO plan? What is a waiting period? How much does dental insurance Cost? Am I required by law to have dental insurance? Individual vs Group Dental- which one is better? What is covered by the dental insurance? What’s the difference between in-network and out-of-network care? please subscribe to our channel for more videos! https://www.youtube.com/letstalkmoneychannel
Просмотров: 16364 Let's Talk Money Channel
Health Plan Types: HMO vs PPO vs EPO
Learn the differences between health plans: HMO, PPO, and EPO. A Health Maintenance Organization (HMO) is a fully integrated plan under a single network. A Preferred Provider Organization (PPO) provides a wider range of choice and larger network. An Exclusive Provider Organization (EPO) is a hybrid of an HMO/PPO.
Просмотров: 254 Lumity, Inc.
HMO vs POS vs PPO | Sexton Benefits-Education Series | www.CapitalBenefitPartners.com
HMO vs POS vs PPO. http://www.CapitalBenefitPartners.com | 480.295.7114 | Individual and Group Employee Benefit Plans: PPO, HMO, POS, HSA, HRA, FSA, Major Medical, Health, Life, Long-Term Care, Dental, and more AZ, IA, IL, IN, MI, MN, TX, WI
Просмотров: 25547 sextonbenefits
Aetna HMO PPO Health Insurance Plans - Compare to Over 180
http://www.GetHealthQuotes.net Aetna HMO PPO insurance - Compare Aetna HMO PPO to 180+ health insurance companies. Get free quotes!
Просмотров: 284 goldiea12
HMO vs. PPO - What's the Difference?
You've heard the terms HMO and PPO before - but, do you really know the difference between the two? John Dudek from Venture Pacific Insurance Services clears up the confusion. Learn more @ http://vpisrisk.com/ What is the difference between an HMO and a PPO? This is one of the most common questions I receive from my clients when they're looking at medical insurance. With an HMO an employer is required to pick a primary care physician when they're selecting their plan. This primary care physician becomes their ‘gatekeeper’ for any medical care moving forward. If they want to see a specialist, they first see their primary care physician, and their PCP will refer them to a specialist within their doctor network. With an HMO, employees are limited to services within their doctor group and their area. If they travel outside their city or they go outside of their state, they're only covered for emergency situations. PPOs are going to offer a lot more freedom for the employees when looking for doctors. You do not need to select a doctor ahead of time, and you can see any doctor you want within the PPO network. Almost all carriers will have a national PPO network along with a local network, which means you can travel outside of the state and still receive care just like you would at home, as long as you see a doctor that's in the PPO network. The advantages of an HMO over a PPO are, typically that they're going to be less expensive when you pay your premiums, and they're going to have lower out-of-pocket costs when you see the doctor; the disadvantages are less freedom when choosing a doctor. On the flip side, the advantages of a PPO are tons of freedom when you're looking for your doctor. The downside is going to be the PPO premiums are going to be more expensive and that PPOs have higher co-pays and higher deductibles than most HMO plans. As an employer, it's always a tough choice to decide whether to offer an HMO or a PPO, but a lot of factors are in play; including your employee demographics, and your budget for benefits. That's where we come in as your broker and help walk you through the decision-making process.
Просмотров: 693 Venture Pacific Insurance
California dental insurance - HMO or PPO?
California dental insurance HMO and PPO plans through J.C. Lewis Insurance!
Просмотров: 1938 Jeremy Lewis
PPO versus HMO   Which Plan Should I Choose Video
Просмотров: 211 Susan Kadera
Understanding Insurance Plans HMO PPO EPO
Version 1.4.2
Просмотров: 783 Steve Downey
California dental insurance plans - PPO vs HMO
To get the full details regarding PPO and HMO California dental insurance plans please visit the dental section of our website at http://www.jclis.com/california-dental-insurance.html Thank you for watching!
Просмотров: 2187 jclewisinsurance
OneStopInsuranceShop.com video on the differences between an HMO and PPO health insurance plan.
Просмотров: 165 1StopInsuranceShop
PPO vs EPO: What's the Difference?
http://www.brandtwentyeight.com/splash-studio Need help explaining to employees the difference in their PPO and EPO plan? This video breaks it down, removes the insurance jargon and helps employees understand these complicated plans so they can be smart healthcare consumers! Get creative with your employee communications with video! Track, measure and improve your overall engagement levels. Contact us at brand28 for more info: -- Phone: 832.463.1434 -- Email: info@brandtwentyeight.com -- Web: http://www.brandtwentyeight.com
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Comparing Medical Plans: HMO, PPO & HDHP
http://www.brandtwentyeight.com What are the core differences between the most popular types of medical plans? This video breaks it down in less than two minutes. Learn what you need to know about an HMP, PPO & HDHP medical plan.
Просмотров: 526 brand28
Health Insurance: HMO vs. PPO : Health & Life Insurance
Subscribe Now: http://www.youtube.com/subscription_center?add_user=Ehowfinance Watch More: http://www.youtube.com/Ehowfinance An HMO and a PPO have a few important differences that you're going to need to know. Learn about the differences between an HMO and a PPO with help from the owner of a brokerage insurance company in this free video clip. Expert: Tom Katsis Filmmaker: Daniel Brea Series Description: Health and life insurance are two of the most important things that any person can posses. Find out about the intricate ins and outs of health and life insurance with help from the owner of a brokerage insurance company in this free video series.
Просмотров: 483 ehowfinance
The Difference Between POS & HMO Health Insurance : Health Insurance & More
Subscribe Now: http://www.youtube.com/subscription_center?add_user=Ehowfinance Watch More: http://www.youtube.com/Ehowfinance POS and HMO health insurance policies are two very different types of policies and should be treated as such. Learn about the differences between POS and HMO health insurance policies with help from the president of The Stratford Financial Group, Inc. in this free video clip. Expert: Jeffrey Ingalls Filmmaker: Stephen Chiang Series Description: Health insurance is a complicated topic, which is why it's always important to do as much research as possible before deciding on any particular plan. Get financial advice and learn more about health and medical insurance policies and plans with help from the president of The Stratford Financial Group, Inc. in this free video series.
Просмотров: 3050 ehowfinance
HMO vs PPO - Medical Plan Design & Choices
Просмотров: 232 Butte County
Comparing Tufts Health Plan Medicare Preferred HMO Plans and Original Medicare
Original Medicare may not provide you with enough coverage. This video explains how our HMO plan offers all the coverage you receive with Original Medicare plus additional coverage for many benefits.
Просмотров: 114 Tufts Health Plan Medicare Preferred
Desert Ridge Smiles Presents Insurance PPO VS HMO
Desert Ridge Smiles Presents Julie discussing dental Insurance PPO vs HMO
Просмотров: 181 Elizabeth Fleming
Medicare HMO VS Medicare PPO - What Are The Differences?
What are the differences between a Medicare HMO and a Medicare PPO? Get the facts and learn why the benefits of each type of plan. If you would like to learn more about your Medicare plan options get my 8 Part Video Mini-Course. It's absolutely free! Get instant access: http://free-mini-course.com A Medicare HMO and a Medicare PPO are both Medicare Advantage Plans that utilize a provider network. Both require that you choose a primary care provider, but that's where the similarities end. With a Medicare HMO you will be required to seek referrals from your primary care provider. You also must stay within the plan's network except in the case of an emergency. The benefit of choosing a Medicare HMO is that you will often have lower out-of-pocket costs over other network-based plans. With a Medicare PPO you are not required to get referrals to visit other providers. You can also go out-of-network to receive covered services. Going out-of-network when enrolled in a Medicare PPO will often require higher out-of-pocket costs. The main benefit of this preferred provider arrangement is that you can have lower costs while using network providers, yet have the flexibility to go out-of-network if you desire. The type of network is only one consideration of enrolling in a Medicare Advantage Plan. Review the plan's Summary of Benefits and Part D formulary as well to be certain you are choosing a suitable plan.
Просмотров: 3297 David Forbes
Consumers Struggle to Grasp PPO, HMO & HSA Under Obamacare – Right on the Money – Part 2 of 5
Sub Headline: Understanding Your Plan Choice to Make Smarter Health Plan Decisions Synopsis: The health insurance industry is chock full of acronyms very few consumers actually understand. Too often, consumers are too focused on bottom line costs while not fully understanding network terminology, like PPO, HMO or HSA. This creates another obstacle for health insurance consumers—they don’t understand terminology or have enough information to differentiate plans and networks, so they purchase plans that don’t adequately meet their needs. Content: PPO, HMO, HSA…what does ANY of this actually mean? We all know the law requires us to have health insurance, but too often we, as consumers, make some of our most important decisions based on bottom-dollar costs without taking into consideration some of the most important factors. Often, we’re looking at whether or not a plan includes copays for services such as doctor visits and prescriptions, or how high the deductible is, while overlooking a vitally important piece of the puzzle—the network a plan utilizes. Typically, the lowest-cost plans utilize “HMO” networks. HMO stands for “Health Maintenance Organization.” Generally speaking, HMO’s will offer more restricted access to the healthcare system. Quite often, you’ll find many of the top-rated hospitals in your area do not accept HMO plans, or accept very few. Your list of “in-network” physicians will also generally be significantly smaller than you typically see with PPO plans (which we’ll touch on here as well). With an HMO, you must designate a “gatekeeper” physician to be your point of contact for all your healthcare needs. If you require medical attention for something beyond the scope of your gatekeeper’s area of expertise, you must get their referral in order to see a specialist or any other healthcare provider. HMO plans, as a rule of thumb, do not provide any coverage for services provided by a healthcare provider outside of the HMO network. The importance of this fact cannot be understated. PPO’s are inherently different. PPO stands for “Preferred Provider Organization” and generally does provide coverage for services received by providers outside of the PPO network. While the cost of services provided by a provider outside of the PPO network is often much higher, your access to hospitals, doctors and other facilities is typically much broader, giving someone who is insured under a PPO more freedom to choose their providers. These are the two types of network arrangements we see in the health insurance market, and then, from them, we have different plan types, such as HSA Qualified High Deductible Health Plans, or “HDHP’s”. These HSA qualified HDHP’s can utilize either an HMO network or a PPO network. In order to be deemed as a “qualified” plan, the health insurance plan cannot not have copays for doctor visits, prescriptions or anything else prior to the deductible being met. In other words, if you go to the doctor for an illness, and the cost of whatever that doctor did to treat you was $200, then $200 is what you’ll have to pay. However, the benefit of a qualified HDHP with an HSA is the HSA itself. HSA stands for “Health Savings Account.” Think of it as a bank account you’re allowed to have in conjunction with a qualified HDHP, in which you, your employer or both of you may contribute money to, up to an IRS-specified cap. Any amount you personally contribute to this account (in other words, not your employer) becomes tax deductible on your personal income tax return the following year, and more importantly, as long as you use this money for qualified medical expenses, you never pay taxes on the money you contribute to the HSA. Watch the video interview with industry insurance expert and contributing author on different types of plans and networks, Kathy Garza. She provides clarity for those of us who are confused by health insurance acronyms and terminology, thus helping us gain understanding so we can make more-informed consumer choices regarding the health plans we purchase. Nationally syndicated financial columnist Steve Savant interviews employee benefit specialist Kathy Garza on the Obamacare Update. Right on the Money is a weekly one-hour online broadcast for TV and radio distribution. The show contains five ten-minute segments that are redistributed online as individual video press releases. (www.rightonthemoneyshow.com) https://youtu.be/mxAZYgapZlY
Просмотров: 2149 Right On The Money Show
HMO vs. PPO, what's the difference?
http://www.moorebenefitsinc.com/video-center Alot of people ask the question, what is the difference between an HMO and a PPO? An HMO is an health maintanance organization and even though HMOs are portrayed as a bad guy on tv and movies sometimes, it really is a legimate way to receive your health insurance and health care. What happens in the health maintanance organization, HMO is part of your premium each month goes to the meidical group and they use that money to take care of you so they receive the same amount whether they see you or not. So they are definitely incentivised to keep you healthy. You usally have to pike a primary health care doctor and receive a referral to a specialist and you stay within their medical group for all of your lab, xray and hospitalization. They want to keep you healthy with preventative care and if something happens to you they'll provide the care you need. PPO is on the other hand a preferred provider organization. So they're a netowrk of doctors who have agreed to prenegotiate discounts from the insurance company and you can go see any of them any time you choose. YOu won't need a referral to a specialsit you can go to whichever hospigtal is in your network. In fact, PPO networks are usually national so you can receive care in this county or the next county or even across the nation and still be in the network. Those are the main differences between an HMO and PPO. From a cost standpoint, HMO's are generally less expensive in terms of premium and amount you have to pay to receive care and the PPO is generally more expensive both in terms of premium and how much it costs to go to the hospital. www.moorebenefitsinc.com/video-center
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