Everyone needs to know the information in this flyer!

Group Health Insurance / Individual Health Insurance

* Group = most popular way for affordable health insurance for individuals and families.

*Provided by employers for their employees / they share the cost of the premiums.

*Individual = for self-employed people

*Usually more expensive with waiting periods and required physicals

Managed Care Options of HMO and PPO

  • HMO - Health Maintenance Organization = specializes in preventative care and early detection of illness.
  • Members have specified monthly premium and are entitled to prepaid healthcare services
  • Pre-authorization required
  • PPO - Preferred Provider Organization = encourages use of contracted providers for discounted fees and medical expenses
  • Members benefit as long as they use in network providers