Whats the difference between a health maintenance organization (HMO), a Preferred Provider Organization (PPO), and Point-of-Service (POS) plan)?
Health Maintenance Organization (HMO) An HMO delivers health care services through a specific list of hospitals and physicians. Covered HMO participants are only able to obtain covered services through one of the HMOs contracted providers. Traditionally, HMOs owned the hospitals and the HMO physicians were direct employees of the HMO. Today, an HMO may have a combination of the HMOs own health care providers and additional providers with whom they contract to provide services. In either case, services would not be covered if a participant sought care from a provider who is not contracted with the HMO. Group Health Cooperative is an HMO and is the Defined Network for our 2005 HMO Only plan. Preferred Provider Organization (PPO) Under a PPO plan participants can seek care from any licensed provider. However, a PPO is a designated list of doctors and hospitals that contract with a health plan and agree to provide services at a discount. In addition to providing a discount for services, do
Related Questions
- Im interested in changing to either a health maintenance organization (HMO) or a Point-of-Service plan. How can I find out where their providers are located?
- Whats the difference between a health maintenance organization (HMO), a Preferred Provider Organization (PPO), and Point-of-Service (POS) plan)?
- What is the difference between a PPO (Preferred Provider Organization) and HMO (Health Maintenance Organization)?
