When it comes to choosing health insurance, there really is no “right” choice for everyone. Neither EPOs nor PPOs are better than the other. It is about what an individual needs when it comes to his health care provider. EPOs and PPOs are somewhat similar; both plans allow the freedom to see a specialist without a referral. However, according to About, with an EPO all expensive services must be pre-authorized.Continue Reading
Pre-authorized services include hospitalization, surgery, CT scans and MRIs. In some cases a doctor may offer to help with the pre-authorization, but it is generally left up to the patient. Without pre-authorization an EPO may not pay for expensive procedures at all. They also do not pay for out-of-network services. The only exceptions are for emergency or urgent care.
PPOs usually have higher premiums than EPOs because they offer a wider network of doctors and specialists. There is also the option to go out-of-network, though there may be an out-of-pocket cost. The benefits may also decrease when using an out-of-network service. There are three main types of health plans: EPO, PPO, and HMO. EPO stands for exclusive provider organization. PPO means preferred provider organization, and HMO represents health maintenance organization.Learn more about Health Insurance
Many of the health care legislation rules in place in 2015, such as keeping young adults covered, ending arbitrary withdrawals and protecting the choice of doctors, were established by the Affordable Care Act, or ACA, which established a Patient's Bill of Rights to give citizens a more stable and open environment in which to make decisions about health care, according to the U.S. Department of Health & Human Services. Other regulations address free preventive care and ending pre-existing conditions exclusions.Full Answer >
Health insurance plans from the Affiliate Workers Association can be a good choice for a self-employed person who needs a short-term plan or who desires to purchase gap, accidental or dental coverage. Determining whether the insurance is adequate requires researching the various health benefit plans offered.Full Answer >
Some benefits of InterGlobal health insurance include coverage for inpatient and day care costs, coverage for emergency treatment, coverage for evacuation to the closest suitable healthcare facility or to a healthcare facility in the policyholder's country of choice, and oncology care. Depending on the policy, other benefits InterGlobal offers include maternity care, dental care and hearing exams, according to Aetna.Full Answer >
An Aetna Preferred Provider Organization dental insurance plan offers the choice of any desired licensed dentist, has lower costs when selecting a PPO network-participating dentist, does not require a referral and does not have copays for office visits, states Aetna. Coinsurance applies, meaning that a policyholder pays a percentage of covered costs when receiving dental service.Full Answer >