Comprehensive Health Insurance
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Welcome to our special collection of educational writings and resources
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Understanding Health Insurance HMOs And PPOs
By Kay Lowe
Health insurance is offered in various forms today. Traditionally, health insurance plans were indemnity plans; the insured paid a premium, the physician provided health care services, the health insurance plan was billed, and the health insurance plan paid for covered services. As health care costs became astronomical, health insurance companies developed different plans that were aimed at providing quality health care at affordable prices. Managed health care became the buzzword for the health insurance industry, and health insurance plans became more complicated.
Health maintenance organizations, or HMOs, and preferred provider networks, or PPOs, have largely replaced the traditional ind...
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