If not, a managed care plan, such as an HMO, PPO or POS plan, can provide quality doctors at a lower cost than an indemnity plan. In HMOs and POS networks, your primary care physician has to approve specialty care in advance. More often than not, this approval is easy to get and you'll usually have some choice among network specialists. This can be misleading if you think you have access to everyone in the plan directory. You may want to call the plans you're considering and ask about their access to specialty care.
Different plans cover different services.
Some plans place limits on the amount they will pay for certain services. To do so, look at each plan's benefit description material or call the health plan. This site is sponsored by the for more information on the Business Roundtable click here .