HEALTH CARE OPTIONS
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