Tuesday 6 September 2016

Type of Insurance plans

Types of plans

HMO - Health Maintenance Organizations

PPO  - Preferred Provider Organizations 

POS  - Point-of-Service Plan

EPO - Exclusive Provider Organization 

Health Maintenance Organizations (HMO)

Preferred Provider Organizations (PPO)

Point-of-Service Plan (POS) 

High Premium, HMO and PPO



POS Network provider

Referral is required for out of network provider.

PCP not must.

Referral is not required for Emergency

Out of Network Provider accepted  if PCP  referred otherwise reimbursement will be less. 

Deductible applied


No copay


Coinsurance applied




Exclusive Provider Organization (EPO) 



Exclusive Provider Organization (EPO)-insurance plan allows access to health care from a network physician, facility or other health care professional, including specialists, without designating a Primary Physician or obtaining a referral- there is no claim forms or bills. Benefits are available for office visits and hospital care, as well as inpatient and outpatient surgery. Does not provide out of network.




What is an EPO Plan?

EPO plans are structured much the same as POS plans; however, out-of-network benefits are reduced. EPO plans are often compared to traditional HMO plans because a strong incentive exists to seek only in-network care.
Advantages of Physicians Care EPO Plans

EPO plans usually create the greatest degree of in-network utilization and therefore maximize the favourable impact of negotiated network rates or discounts.

In-network personal care physicians facilitate convenient and appropriate access to specialists for covered persons.

EPO plans usually have the lowest premiums or self-funded plan costs.

Is this plan right for me?

If most of the enrolled members in your group health plan reside in the Physicians Care Network service area, you probably have little need for out-of-network benefits. An EPO plan design might be a good choice. EPO plans are our most economical traditional health plan offerings.

Effective date

The date on which an agreement, such as a contract or insurance policy, takes effect (or) Beginning date of coverage for a current policy.


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