When reviewing your existing health insurance plan, searching for a new policy or just shopping online, it’s good to know the differences in types of health insurance plans. Knowing how HMOs operate or the aspects of PPO versus Point of Service (POS) policies, will allow you to select the best health insurance plan that fits your lifestyle.

Health Insurance Plan: Health Maintenance Organizations (HMOs)

A popular health insurance plan b/c of it’s reasonable costs!

Health Maintenance Organization (HMO) is a popular health insurance plan because it’s more affordable than the traditional major medical plan. The costs are low due to a negotiation with particular healthcare providers and the policy holder usually gets his/her health insurance services through that network.

How do HMO’s work?
# Monthly health insurance premiums are paid and a small co–payment is due for each office visit (an average of $5 to $10), hospital stay, and most prescription drugs.  Choices are

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