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HMO (Health Maintenance Organization) - This plan is favored
by those who prefer to choose any doctor or hospital. Traditional
is one of the most unrestricted types of plans. Consumers are responsible
to pay in full, in advance for medical services they receive and
file their own claims paperwork to seek reimbursement.
POS (Point of Service) - This plan allows you to choose the
level of benefits received. By coordinating with a Primary Care
Physician, you'll receive a higher level of benefits. This plan
also allows the consumer to choose any doctor or hospital and receive
a lower level of benefits.
PPO
(Preferred Provider Organization) - This flexible plan affords
you the ability to choose any doctor or hospital from the PPO's
directory or to use a doctor outside the plan, at a higher expense.
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