How To Save Money When Choosing Your Next Health Insurance Plan

 

Many people are enrolled in some sort of managed care health insurance plan. This is an organized way of both providing services and paying for them. Different types of managed care plans work differently and include preferred provider organizations (PPOs) and health maintenance organizations (HMOs).

 

The information presented here will help you choose a health insurance plan that is right for you. Definitions of the health insurance terms used are included in the section called Understanding Health Insurance Terms.

 

Understanding Health Insurance Terms

 

HMO (Health Maintenance Organization)
Prepaid health plans. You pay a monthly premium and the HMO covers your doctors' visits, hospital stays, emergency care, surgery, checkups, lab tests, x-rays, and therapy. You must use the doctors and hospitals designated by the HMO.

 

Managed Care
Ways to manage costs, use, and quality of the health care system. All HMOs and PPOs, and many fee-for-service plans, have managed care.

 

PPO (Preferred Provider Organization)
A combination of traditional fee-for-service and an HMO. When you use the doctors and hospitals that are part of the PPO, you can have a larger part of your medical bills covered. You can use other doctors, but at a higher cost.

 

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Provided by Nitin Gupta

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