You can observe that health insurance is currently in high demand in the United States of America and around the globe. That is why large health care providers like Blue Cross Blue Shield of Florida improve the varieties of its plans to stay competitive in giving the citizens the service that they want and need.
When buying health care insurance policies, you can choose from a variety of plans containing unique terms and benefits. Insurance providers like Florida Blue offer flexible plans that can cater to most of the common health needs that citizens look for in their policies. Among the choices you will have to decide when purchasing is if you want an HMO or a PPO. Let us look into these options further.
HMO stands for Health Maintenance Organization. In an HMO plan, you can choose a primary care physician. All of your health care needs and services are assessed and diagnosed by that physician. If ever you might need to see other specialized doctors, you must first secure a referral from your primary care physician. In addition, you cannot go to other health care professionals or clinics not covered by your insurance policy, unless you pay them yourself.
If you might need to consult a dermatologist to check on a skin condition, you must first go to your primary care physician to diagnose you. If your physician is not capable in addressing your concern, then that is the time a referral is issued. This referral will direct you to a dermatologist affiliated with your HMO’s network. However, this is not the case for OB/GYN (obstetrician/gynecologist) routine services such as Pap tests and the like. Women can avail these services without securing referrals from the primary care physician.
PPO stands for Preferred Provider Organization. In a PPO plan, the need for a primary care physician is eliminated. You can go to whichever doctor or specialist to look on you without securing a referral. You also have the freedom to go to health care professionals inside and outside of your provider’s network. Going to those inside of your network guarantees full benefit coverage and standard premiums, while going outside can mean a smaller coverage and a higher cash-out.
Knowing your options makes your decision-making easier. Proceed with the choice that is best for you.
HMO or PPO – understand which will give you better health insurance service