Insurance companies pay fees for the services provided to the people covered by the policy. You can choose any doctor or hospital you wish and change doctors any time. Prepaid health plans. You pay a monthly premium and the HMO covers your visits to the doctor, hospital stays, emergency care, surgery, checkups, lab tests, x-rays and therapy. Obtaining care without a primary care physician's referral, or obtaining care from a non-network member, usually results in no payment for services by the insurance company.
Insurance companies pay fees for the services provided to the people covered by the policy.
You can choose any doctor you wish and change doctors any time. The most money you will be required to pay each year for deductibles and coninsurance. It is a stated dollar amount set by the insurance company, in addition to regular premiums. A PPO contracts with selected doctors and hospitals in a community. PPO enrollees can use the doctors and hospitals within this network or go outside the network for care.