Cover Detail
PPO (Preferred Provider Org)
This is the most popular plan. It offers the flexibility of both, the SMP and POS. Insured may opt to choose a doctor offered by the Plan, or choose any doctor they want outside of the network. If chosen doctors is outside of the network, the Plan will pay substantially smaller portion of the cost, and the insured will be responsible for the rest.
POS (Point Of Service)
This plan is favored by those who prefer to choose any doctor or hospital. Point of Service is one of the most unrestricted type of plans. In some plans insured is responsible to pay in full, and/or in advance for medical services he/she receives and files his/her own claim for reimbursement. This is typically the most expensive medical program.
HMO (Health Maintanence Organization)
This is the most economical plan available. Generally, insured is being assigned to a physician who after thorough evaluation makes recommendations, such as medication and/or medical procedures. If a serious condition occurs and the hospitalization is required, it has to be approved by the physician and usually performed in a plan's facility.
Medical Discount Plan
This plan is not a health insurance plan. It is a Medical Discount Plan, ideal for those who cannot afford or qualify for traditional health insurance. The companies offer discounted health services for a low monthly fee. Benefits include a range of discounts for doctors, hospitals, dental, vision, prescriptions, vitamins, as well as other health services. Medicare Supplement Primarily for individuals 65 and over. It is usually requested by the Medicare recipients. It covers costs and expenses that are not covered by the Medicare.
