You usually pay deductibles and coinsurances that are substantially higher than the payments when you use a plan provider. You will also need to file a claim for reimbursement, like in an FFS plan. The HMO plan wants you to use its network of providers, but recognizes that sometimes enrollees want to choose their own provider. An organization that contracts with a selected group of health care providers to deliver medical services to a specific group of individuals. In the comparison charts, this column shows you what you pay for prescriptions when you use a plan pharmacy.
Some plans charge different amounts for refills, select drugs and mail orders.
In many plans, if you get the brand name instead of a generic substitution, you also pay the difference between the two. A doctor, hospital, health care professional, or health care facility. Good quality health care means doing the right thing at the right time, in the right way, for the right person - and getting the best possible results.