Health care has become a very expensive affair in the United States and now on an average a family of four can expect to pay nearly $10,000 for health insurance coverage only annually. This does not go too well for an American family at the time of job cuts and recession and bad economy.
Every family needs insurance as a safety measure and they need basic coverage like HMO (Health Maintenance Organizations) plan or PPO plan (Preferred Provider Organizations).
HMO plans work through networks where a person is assigned to a specific set of health care providers and the person has to visit people only in this network for all their health care needs. HMO plans mostly do not require any deductibles but there may be a co-payment involved at the time of doctor visit. The co-payment may not be much and only amount to $10 or less. A primary physician will be assigned to every plan holder and he will be responsible for overseeing the overall health concerns. In case there is a need for a specialist to interfere then the primary care physician would need to recommend or refer further. These are the least expensive of all the plans and they are also very restricting for the plan holder.
The PPOs give the freedom to visit any health care network and you can see non network physician by paying an extra fee. These plans also include minimal co-payments. PPOs do not lay out many restrictions but they are by far much more expensive than the HMOs.
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