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December 22, 2007

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PPO Plans - A Tutorial

A Preferred Provider Organization, or PPO, is a popular type of health insurance because it offers more freedom than an HMO, but is less expensive than traditional health insurance plans. If you're in the market for health insurance, you should definitely look into cheap PPO health insurance plans.

What is a PPO?

With a PPO, your health insurance company contracts with health care providers to provide health care at pre-set prices. All kinds of health care providers participate in PPOs, including doctors, hospitals, clinics, physical therapists, pharmacies, etc. As the insured you pay:

* A co-payment for services

* An annual deductible

* A percentage of medical fees

You can choose from any health care provider in the network, but if you go outside the network you have to pay a higher portion of the expenses.

What is the Difference Between a PPO and an HMO?

Health Maintenance Organizations, or HMOs, usually have no deductible and lower co-payments than PPOs. As with PPOs, you choose from health care providers within a network. However, HMO plans are more restrictive:

* If you go outside the network, you may receive no coverage at all

* You need a referral from your doctor before you can see a specialist

* You may need approval from the plan's management for some specialty care

How Do I Find a Cheap PPO Plan?

To find a cheap PPO health insurance plan, begin by visiting insurance comparison websites. On these websites you complete a simple form with information about yourself and your health insurance needs. Shortly thereafter, you'll begin to receive quotes from multiple A-rated health insurance companies. All you have to do is compare the coverages and premiums and choose the one that is right for you.

The best websites even let you talk with insurance professionals by phone, or through an online chat service, so you can get expert answers to all your health insurance questions

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Health Insurance Plans

There are a number of health insurance plans being marketed today. The most popular plans include:

Fee-for-service plans - Also known as indemnity plans, these plans pay for your doctor visits, hospital expenses, physical therapy, and prescription drugs. With these plans you may use the doctors and hospitals of your choice. They are losing in popularity primarily because they are so expensive.

Managed health care plans (HMOs, PPOs, POSs) - These plans also pay for your doctor visits, hospital expenses, physical therapy, and prescription drugs. With these plans you're assigned to a health care network of doctors and hospitals that you use for your medical needs. They are more popular and less expensive than fee-for-service plans.

Major medical plans - These plans, also known as catastrophic health insurance plans, only cover doctor and hospital fees for major illnesses such as cancer, heart disease, and strokes. Because these plans are limited as to what they cover, they are usually cheaper than managed health care plans and fee-for-service plans.

Where to Compare Health Insurance Plans

It used to be that in order to compare health insurance plans you had to spend hours of your time visiting or calling your local insurance companies. Then along came the Internet and you could get rates online from individual insurance company websites. But that was still time consuming as you had to go from site to site and fill out form after form to get enough quotes to compare.

Now there are insurance comparison websites where you can get health insurance rate quotes from multiple insurance companies, all in one place, by filling out one simple form. It's quick, it's easy, and it doesn't cost a thing.

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