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Choosing The Right Group Health Insurance Plan For Your EmployeesChoosing Between HMO, PPO, And POS Plans The first think you must decide when choosing a group health insurance plan for your employees, is to decide which type of provider you want them to be able to visit. The type of policy you choose will, obviously, ultimately determine the price of the premiums you and your workers will pay. The three basic types of health insurance providers are HMOs, PPO's, and POS's. Here we will look at each type and their differences. HMO. An HMO is the cheapest type of group health insurance plan available. Unfortunately, it also allows you and your employees the least number of options. We've all heard the horror stories of people not getting the medical care they needed, due to the fact that their HMO refused to cover it. An HMO plan requires that participants have a primary care physician on record, and typically will not authorize any care received from specialists unless there is a referral from that primary care physician. PPO. A PPO is a slightly more expensive group health insurance plan, but it offers your employees a much more varied choice in their care. A PPO operates with a group of physicians who all work together to provide care under the same service provider. Unlike an HMO, this network of physicians will include specialists in many different areas; including vision, health, dental, and mental health services. POS. A POS group health insurance plan basically combines the required primary care physician of an HMO, with the network of covered providers of a PPO. If an employee needs, or chooses, to see an out of network provider, their out of pocket costs will be much higher than with a PPO plan, but not nearly as high as with an HMO. Of course, the internet is the best place to compare prices and providers of each group health insurance plan. There is a group health insurance plan that will be just right for you, no matter how big or small your company may be. |
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