| Employees of small organizations or groups are | | | | handling the health care of the insured person. If he/she |
| normally given various health insurance options by the | | | | requires treatment from any out-of-network provider, |
| company owner. The insurance covers practically | | | | they need to obtain a referral from their PCP. |
| almost everything, from visits to the doctor to | | | | The person insured should obtain treatment from a |
| prescribed medications to hospital visits, etc. | | | | network provider so as to get paid via the HMO. |
| To assist owners of small business decide on what | | | | Preferred Provider Organization (PPO) plan - This plan |
| type of health coverage best matches the budget of | | | | is when the insurance provider makes an agreement |
| their company and the needs of their employees, the | | | | with chosen doctors and hospitals to provide services |
| below offers information about the various types of | | | | at discounted price. If you are a PPO member, you |
| plans. | | | | can seek medical care from a hospital or physician |
| Indemnity plans - These main medical plans normally | | | | who is not from the network, but you are most likely to |
| include a deductible - the insurance company will start | | | | compensate a co-payment or larger deductible |
| to pay the benefits after the insured person have paid | | | | amount. |
| the amount. Once the covered expenses go beyond | | | | Point of Service (POS) plan - This plan is a |
| the deductible amount, benefits are often paid as a | | | | combination of HMO and PPO, only this one is more |
| fraction of the actual expenditures, which is usually | | | | adaptable than HMO, but does need you to choose a |
| 80%. These plans typically offer the best flexibility in | | | | primary care physician. Similar to PPO, you can seek |
| selecting where to get medical care. | | | | medical attention from a hospital or physician not |
| Health Maintenance Organization (HMO) plans - These | | | | belonging to the network, but you need to pay more of |
| main medical plans typically allow the insured person to | | | | what the actual cost is. Then again, if a primary care |
| decide on a PCP (Primary Care Physician) from a | | | | doctor recommends you, POS will compensate the |
| directory of network providers. A PCP is in charge of | | | | cost. |