Preferred Provider Organizations (PPOs)
- Also known as "preferred" or "out of network" providers
-Network or group of preferred providers, hospitals, doctors
-Less payment for insured
Health Maintenance Organizations (HMOs)
-Also known as "in network" providers
-To join, you must live in the area of HMO services
-Mostly referrals
-Higher costs for insured
-flat co-pay
-co-insurance payment: part or percentage of cost
Exclusive Provider Organizations (EPOs)
-When there is no primary care doctor
-Do not need referrals
-Limits on doctors and hospitals
-Costs vary depending on providers
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