Medicaid and HMOs Essay Example | Topics and Well Written Essays - 250 words

Medicaid and health maintenance organizations - Essay ExampleOf the different types, HMO is usually the least expensive send off. Patients will not have any deductibles in HMOs and the co-pay is very reasonable. This plan covers preventive measures such as yearly check-ups. The perceived downside of HMO is that you have to choose your heal and different health providers in your HMO network. You can be restricted in your choices. PPOs, or Preferred provider Organizations, like HMOs, have pre-approved lists of healthcare providers. Like HMOs, this type of Medicare Advantage Plan allows for the insured to choose from doctors and other healthcare professionals breakside of this network. However, this plan cost you more in the deductibles, co-insurance and other out-of-pocket expenses. In this plan, when you using up a non-participating provider you will be paying more for that privilege. A Point-of-Service plan or POS is a bit like a combination of the HMO and PPO. Like the HMO, yo u must select your own doctor or primary physician but can also have the choice to go out of your network like in a PPO. If you stay within the network like HMO, your copayment and deductibles are small.